The Senior Credit Analyst is responsible for taking a lead role in underwriting the intermediate size commercial banking customers. He/she will provide independent and sound opinions on appropriate structures, terms, covenants, and risk ratings of a credit.The individual will take full responsibility for all written and verbal underwriting performed, including articulating their opinion of credits to Credit Committees.
Responsibilities
Underwriting and Analysis

• Provides accurate financial analysis for intermediate sized client relationships by utilizing various software applications and other related systems (Paynet & credit reporting agencies)
• Qualifies and validates financial information utilized in the credit decision making process
• Collaborates with the Lending Officer to recommend loan structure that serves to minimize the credit risk to the Bank.
• Provides ongoing monitoring of financial covenants and works with the Lending Officer to formulate default waivers
• Ensures relationships are appropriately risk rated during the underwriting process and recommends risk rating changes to the Loan Officer in a timely manner
• Participates in customer calls with the Lending Officer as requested and/or time permits
• Provides knowledgeable, well-articulated responses to questions received in credit committee meetings.
• Provides prompt turn around on customer and credit action requests, while communicating the status of loans in process with the lending officer and/or Credit Analyst Manager
• Prioritizes workload with minimal supervision to serve the needs of the Lending Officer and Bank's clients
• Reviews and articulates findings within third party collateral reports to the Lending Officer and/or Credit Analyst Manager
• Engages third party collateral evaluations
• Provides identification of policy exceptions and variances throughout the underwriting process articulating these exceptions within the written credit action
• Conducts customer file maintenance when necessary transferring financial related data and third-party collateral reports into the bank's document imaging system
• Completes approved risk rating changes

Other

• Develop knowledge on SBA loan products along with policy and procedures.
• Attend general credit analysis training provided by Credit Analyst Manager as well as RMA or MBA classes.
• Comply with responsibilities as they relate to the Bank Secrecy Act (BSA), Anti-Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC). This includes participating in any required training and promptly complying with all reporting requirements
• Consult with customers as needed to verify financial and credit transactions
• Tracking of specified credits from a technical aspect
• This position may require travel to various Choice Bank offices and customer locations to complete various functions including but not limited to inspections
• Performs duties outside normal scope as assigned
• Completes special projects as assigned

Related Skills & Key Competencies

• Leads as a team player with excellent interpersonal skills
• Possesses excellent written and oral communication skills
• Promotes and administers change and accepts diversity
• Exhibits problem-solving, and decision-making skills and fosters open communication
• Proficient computer skills including Microsoft Office (Word, Excel, Web Equity)
• Must display consistent, detailed and strong organizational skills
• Use sounds judgment in prioritizing tasks to work under tight deadlines

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)