Senior Credit Analyst

Senior Credit Analyst

The Senior Credit Analyst is responsible for evaluating the creditworthiness of new and existing clients by conducting comprehensive financial analyses and risk assessments. This role facilitates timely and accurate valuation services and supports the Bank's credit approval process by preparing detailed credit memos, interpreting financial data, and recommending loan structures that align with regulatory compliance and Bank risk tolerance.

Essential functions include leading the evaluation of complex commercial loan requests, managing the collection of financial statements, ensuring credit reports and recommendations are thorough and compliant, collaborating with management to identify and mitigate potential risks, and clearly communicating complex credit analyses and recommendations to stakeholders.

Other duties may include performing other duties assigned, in support of departmental goals and organizational priorities.

Education and experience required include a minimum of bachelor's degree in finance, accounting, or related field, minimum of five years of experience as a Commercial Credit Analyst, and experience in underwriting C&I transactions.

Key competencies include advanced financial analysis and credit underwriting skills, strong understanding of banking regulations, technical proficiency in Microsoft Office Suite, and strong communication, interpersonal, analytical, mathematical, and critical thinking skills.