Senior Commercial Credit Analyst

Senior Commercial Credit AnalystPark Avenue Group, a division of Angott Search Group, is pleased to partner with a respected financial institution in the search for a Senior Commercial Credit Analyst. This position will play a critical role in evaluating and underwriting complex commercial, commercial real estate, and other credit requests while providing lenders and senior leadership with thoughtful, well-supported credit analysis.The Senior Commercial Credit Analyst will work closely with lending and credit teams, independently managing complex transactions and serving as a trusted resource throughout the underwriting and portfolio management process.What You'll Do:Underwrite new commercial, commercial real estate, and consumer credit requests, including renewals, modifications, annual reviews, and loan increases.Prepare comprehensive credit approval memoranda outlining borrower and guarantor background, loan purpose, sources of repayment, financial performance, risk factors, and recommendations.Spread and analyze business and personal tax returns, financial statements, K-1s, rent rolls, personal financial statements, projections, and other supporting documentation.Evaluate cash flow, debt service coverage, global debt service coverage, liquidity, leverage, collateral, guarantor strength, and repayment capacity.Apply the Five Cs of Credit to all credit decisions: Capacity, Capital, Collateral, Character, and Conditions.Research industry trends and market conditions affecting existing and prospective borrowers.Review appraisals, environmental reports, construction reviews, property inspections, and other collateral documentation.Pre-screen prospective loans, modifications, and increases and recommend loan amount, structure, terms, covenants, and whether to proceed.Identify and escalate red flags, emerging risks, covenant violations, and early warning indicators.Monitor covenant compliance and communicate concerns to lending and credit leadership.Communicate with borrowers as needed to obtain financial information, clarify underwriting questions, and understand business objectives.Collaborate with Loan Servicing and other internal teams to resolve pre-closing credit conditions.Assist with collateral monitoring, portfolio stress testing, and other credit risk initiatives.Maintain accurate credit files and ensure compliance with applicable policies, regulations, and risk-rating requirements.Coach and mentor Credit Analysts and Credit Specialists, helping develop their skills and ability to manage increasingly complex transactions.What You Bring:Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.Minimum of five years of commercial credit underwriting or analysis experience, including complex commercial and/or commercial real estate transactions.Formal credit training through a bank, institutional lender, RMA, ABA, or comparable program required.Strong understanding of commercial credit analysis, financial statement analysis, cash flow analysis, collateral evaluation, and risk assessment.Demonstrated ability to analyze complex financial statements, tax returns, projections, and other financial information.Strong financial statement spreading skills and proficiency with financial analysis software; Sageworks or similar experience preferred.Experience preparing sophisticated commercial credit memoranda.Intermediate-to-advanced proficiency in Microsoft Word and Excel.Excellent written and verbal communication skills with strong financial and credit vocabulary.Strong attention to detail, organization, judgment, and analytical skills.Ability to independently manage complex credit requests and collaborate effectively with lenders, credit leadership, and other internal partners.Experience coaching or mentoring junior credit professionals preferred.