Senior Credit Analyst

Sr. Credit AnalystMiami Lakes, FL, US, 33016Workplace Type: HybridWhile professional experience and qualifications are key for this role, make sure to check you have the preferable soft skills before applying if required.Commercial Credit - FloridaWe have an exciting opportunity for a Sr. Credit Analyst to join a full-service, commercial bank in Miami Lakes, Florida. In this position, you will be responsible for underwriting new commercial requests and renewals, including the bank's most complex requests. Performs annual financial reviews of existing commercial relationships.In This Position, You WillPerform review of appraisals and real estate evaluations. Monitor and test loan covenants for existing credit relationships.Work collaboratively with Commercial Loan Officers and the credit department leadership to ensure that credit risks are identified and credited to credit approvers and loan committees.Ensure that all exceptions to the bank's lending policy are noted and noted that the proper level of approval is for all requests based on requirements in the bank's lending policy.Provide training and mentoring of staff for promotion and enhancement, developing enhanced independence in all aspects, particularly relating to more complex credits.Develop continually advancing portfolio analytics, including high loan to value (HLTV), policy tracking, and stress testing. When appropriate, make presentations to the bank's various loan committees.Contribute to recommendations for the loan loss.Maintain a strong understanding of the bank's lending policy, as well as interagency regulations.Qualifications Bachelor's Degree in Accounting or Finance from an accredited four-year college preferred.Five or more years of commercial credit experience, preferably within a bank environment.Thorough knowledge of accounting and legal principles underlying the bank's documents.Computer literate; fluency in Microsoft Office Programs.Experience in lease administration database, SAP system preferred.Applicants must be authorized to work for any employer in the United States. xhyhwjd This position is not open to applicants who need visa sponsorship or transfer of visa sponsorship at this time.