What are the responsibilities and job description for the Senior Credit Analyst position at The Agency?
Senior Credit Analyst
Position Overview:
We are seeking a Senior Credit Analyst to support commercial lending activities through detailed financial analysis, credit underwriting, and risk assessment. This individual will play a key role in evaluating complex credit opportunities, partnering closely with Relationship Managers, and contributing to sound credit decisions that align with the bank’s risk appetite and growth strategy.
Key Responsibilities:
- Analyze financial statements, tax returns, and cash flow to assess borrower creditworthiness
- Underwrite commercial loans across C&I, CRE, and/or SBA portfolios
- Prepare comprehensive credit memos and present recommendations to credit leadership or loan committees
- Perform global cash flow analysis, debt service coverage, and sensitivity analysis
- Partner with Relationship Managers to structure deals and identify potential risks and mitigants
- Monitor existing loan portfolios, including annual reviews, renewals, and covenant compliance
- Identify trends or emerging risks within the portfolio and provide proactive recommendations
- Mentor junior analysts and assist in training or review of credit work as needed
- Ensure compliance with internal policies, regulatory standards, and credit guidelines
Qualifications:
- Bachelor’s degree in Finance, Accounting, Economics, or related field
- 3-5 years of credit analysis experience within a commercial banking environment
- Strong understanding of commercial lending (C&I, CRE, and/or SBA)
- Advanced financial analysis and modeling skills
- Experience writing and presenting detailed credit memos
- Ability to assess complex transactions and structure credit facilities
- Strong communication and interpersonal skills
- High attention to detail and ability to manage multiple priorities
Preferred Qualifications:
- Experience working with middle-market or commercial clients
- Prior exposure to loan committees or credit approval processes
- Leadership or mentoring experience
- Familiarity with risk rating systems and regulatory expectations
Why Join Us:
- Collaborative and team-oriented credit culture
- Opportunity to work on complex and meaningful transactions
- Clear path for growth within credit or lending
Salary : $70,000 - $120,000