Senior Credit Analyst

RESPONSIBILITIES:

• Determines whether information submitted for underwriting meets bank policy and procedures as well as regulatory requirements for commercial credit applications.

• Research and accurately interprets commercial loan documentation, agreements, leases, contracts, and other technical documentation of a legal nature. Identifies the necessary documentation to complete a loan documentation file for all commercial products offered and to perfect all types of collateral.

• Reviews loan terms and conditions, and transaction sources and uses to determine appropriateness of loan structure and reasonableness of loan purpose. Identifies improper structure and makes recommendations to Relationship Managers and/or credit approval authorities for improving loan structure.

• Conducts background checks and credit bureau inquiries via third party vendors to prevent fraud and assess the overall character of credit applicants.

• Expert in the analysis of higher-risk and/or specialized industries common in commercial lending transactions, including, but not limited to automobile dealers, land acquisition and development, energy companies, construction contractors, healthcare providers, government contractors and municipalities.

• Utilizes advanced financial and quantitative analyses techniques to evaluate financial and related information to gauge borrower’s overall ability to repay debt as well as to assess financial performance relative to peer companies, industry benchmarks or other standards of performance.

• Recommend appropriate financial covenant structures for commercial loan transactions. Designs financial covenant definitions to be included in the commercial loan agreement.

• Prepares the entire underwriting document utilized by executive management to approve loans for the highest credit risk exposures. Ensure that documents are accurate with an elevated level of detail. Ability to thoroughly document the approaches taken and to defend all assumptions utilized in the credit analysis. Identifies any exceptions to loan policies. Presents and defends loan presentation recommendations at committee meetings.

• Assigns appropriate risk ratings to proposed loan transactions, including regulatory non-Pass ratings, which will directly influence the ALLL provision and bank earnings. Defends assigned risk ratings.

• Accompany relationship managers and participate in all types of customer calls. Provides support in identifying the appropriate information needed from customers for new loan requests.

• Ensure compliance with the Commercial Credit Policy by verifying adherence and documenting any exceptions.

• Provides guidance and oversight to other Analysts. May conduct training on an “as needed” basis. Will be involved with the development of Credit Department procedures and methodologies.

QUALIFICATIONS:

• Strong analytical and critical thinking skills, with expertise in financial statement analysis and risk assessment

• Proficiency in financial analysis software and tools, as well as Microsoft Office Suite, particularly Excel.

• Excellent written and verbal communication skills to present complex financial information clearly and concisely.

• Meticulous attention to detail and elevated level of accuracy in analyzing financial data.

• Knowledge of credit industry regulations and compliance requirements

• Strong work ethics, ability to work independently and as part of a team, adaptability, and the ability to manage multiple priorities in a fast-paced environment.

• Have experience collaborating with clients and can manage challenging situations with professionalism and efficiency.