Senior Credit Analyst

Senior Credit Analyst

This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.

Major duties and responsibilities include:

• Analyzing all relevant loan data on new, renewal and existing loans
• Preparing thorough and concise memos, spreadsheets, reports, summaries and opinions for Loan Officers
• Managing the bank's exposure to identified risks and recommending appropriate structure for transactions
• Overseeing and managing financial information files
• Establishing, reviewing and updating new and existing loan files
• Providing technical advice and assistance to Loan Officers
• Performing credit inquiries

Additional duties include:

• Effectively communicating with customers, loan officers, and bank management
• Generating solutions to problems and suggesting alternative solutions
• Performing as a top contributor in bank-wide projects
• Initiating and leading bank-wide projects
• Dressing professionally

Employee specifications include:

• Bachelor's degree in finance, accounting or related field
• Minimum 5 years of credit analysis experience
• Specific area of underwriting expertise in one or more areas of lending
• Excellent financial analytical abilities
• Advanced proficiency in Excel
• Ability to structure and underwrite larger, more complex transactions
• Outstanding interpersonal, technical, problem solving, and written communication skills
• Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision
• Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency
• Demonstrates dependability through good attendance and adherence to time lines and schedules