What are the responsibilities and job description for the Senior Credit Analyst position at State Bank?
1. Provides financial and risk analysis for new commercial credit applications.
2. Provides financial and risk analysis for existing commercial clients in the form of annual reviews.
3. Assist lenders in renewal processing and analysis.
4. Assist lenders in the due diligence of credit analysis, including: obtaining and interpreting industry and market analysis pertinent to the respective client and the acquisition of information regarding collateral valuations on specialized or unique assets to be used as collateral.
5. Meet with lenders and their clients or prospects that require more complex and significant servicing requirements, in order to better understand the client’s business operation and/or servicing needs.
6. Assist in the servicing of participation loans through communication with the participant bank regarding financials, reports, and status updates.
7. Attend loan committee and/or board meetings when appropriate to assist in the explanation of the credit analysis.
8. Identify the credit risks associated with the client’s use of depository services and incorporate this information into the respective credit application.
9. As needed, review loan closing documents to ensure accuracy and compliance with approval documents.
10. Follows all State Bank customer service standards
11. Serves on Bank committees as required
12. Participates in bank-wide training program
13. Other duties as assigned
SKILLS & QUALIFICATIONS
Bachelor's degree in Business, Finance, or Accounting. Minimum of five years of bank experience or related analytical experience. Advanced knowledge and use of Microsoft Office, with a strong emphasis on Excel and Word.
2. Provides financial and risk analysis for existing commercial clients in the form of annual reviews.
3. Assist lenders in renewal processing and analysis.
4. Assist lenders in the due diligence of credit analysis, including: obtaining and interpreting industry and market analysis pertinent to the respective client and the acquisition of information regarding collateral valuations on specialized or unique assets to be used as collateral.
5. Meet with lenders and their clients or prospects that require more complex and significant servicing requirements, in order to better understand the client’s business operation and/or servicing needs.
6. Assist in the servicing of participation loans through communication with the participant bank regarding financials, reports, and status updates.
7. Attend loan committee and/or board meetings when appropriate to assist in the explanation of the credit analysis.
8. Identify the credit risks associated with the client’s use of depository services and incorporate this information into the respective credit application.
9. As needed, review loan closing documents to ensure accuracy and compliance with approval documents.
10. Follows all State Bank customer service standards
11. Serves on Bank committees as required
12. Participates in bank-wide training program
13. Other duties as assigned
SKILLS & QUALIFICATIONS
Bachelor's degree in Business, Finance, or Accounting. Minimum of five years of bank experience or related analytical experience. Advanced knowledge and use of Microsoft Office, with a strong emphasis on Excel and Word.