Senior Credit Analyst

Job Description

Job Description

Now Hiring: Senior Credit AnalystAre you an experienced credit professional who excels at financial analysis, risk assessment, and relationship support? Kendall Bank is seeking a Senior Credit Analyst to play a key role in evaluating complex commercial lending opportunities and supporting sound credit decisions across the organization.We are looking for a motivated professional with strong analytical skills, exceptional attention to detail, and a collaborative mindset. If you are ready to make a meaningful impact while advancing your career with a growing community bank, we'd love to hear from you.Join Kendall Bank For more than 120 years, Kendall Bank has been helping individuals, families, and businesses achieve their financial goals. Today, we continue that tradition by delivering an exceptional banking experience that combines the expertise and technology of a larger institution with the personalized service and trusted relationships of a local community bank.As a Senior Credit Analyst, you will perform advanced credit analysis on new and existing commercial lending relationships, support lenders with complex credit structures, and provide recommendations that contribute to sound credit decisions. This position requires a strong understanding of financial statement analysis, industry and market trends, commercial lending, risk assessment, and regulatory compliance.Key ResponsibilitiesAnalyze complex commercial credit requests and prepare detailed credit presentations and recommendations. Evaluate financial statements, cash flow, collateral, guarantor strength, and debt repayment capacity. Identify key credit risks and mitigating factors while assessing overall creditworthiness. Support loan officers and senior management in structuring credit facilities and making informed lending decisions. Monitor existing credit relationships and maintain current financial information and documentation. Ensure loan files are complete, accurate, and compliant with bank policies and regulatory requirements. Assist with annual reviews, covenant monitoring, and risk rating assessments. Serve as a resource and mentor to junior credit analysts as needed. Maintain knowledge of industry trends, market conditions, and best practices in commercial credit analysis. Perform all responsibilities in accordance with applicable federal and state banking regulations.What We're Looking ForStrong commercial credit analysis and financial statement interpretation skills. Advanced knowledge of cash flow analysis, collateral evaluation, and credit risk assessment. Excellent organizational, problem-solving, and critical-thinking abilities. Strong written and verbal communication skills. Ability to work independently while collaborating effectively with lenders and other departments. Commitment to accuracy, professionalism, and client service excellence. Positive attitude and dedication to supporting Kendall Bank's mission, vision, and growth strategies.Why Join Our Team?Competitive BenefitsMedical, Dental, and Vision coverage options available for employees, families, and domestic partnersHealth Savings Account (HSA)Flexible Spending Account (FSA)Life Insurance and Disability ProtectionFinancial Well-Being401(k) Retirement PlanWork-Life BalanceGenerous Paid Time Off (PTO)Supportive and team-centric work environmentCareer GrowthProfessional development opportunitiesAdvancement and leadership development opportunities within a growing organizationGrow Your Career with Kendall BankAt Kendall Bank, you'll find more than a job. You'll find a team committed to excellence, community involvement, and helping one another succeed. Join us and be part of a bank that is building the future while staying true to its community banking roots.Apply today and help drive sound lending decisions that support our clients, communities and continued growth.