Senior Credit Analyst

Senior Credit AnalystThis position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Credit Analyst based in the United States.This is a remote opportunity for an experienced credit professional to play a central role in commercial lending and portfolio management. You will evaluate prospective commercial borrowers, analyze complex financial information, and assess credit and collateral risk. The role combines detailed underwriting with strategic collaboration across lending and credit administration teams. You will contribute to construction lending, annual loan reviews, covenant monitoring, and the ongoing management of a commercial loan portfolio. Your insights will directly support sound lending decisions and help business members achieve their financial objectives. The position also offers opportunities to improve policies, processes, reporting, and automation within a collaborative credit environment. The ideal candidate is analytical, decisive, highly organized, and motivated to challenge conventional approaches while maintaining strong risk discipline.AccountabilitiesPrepare comprehensive credit memorandums and supporting documentation for commercial loan approval and decision-making.Review borrower and guarantor documentation to confirm alignment with approved loan terms and compliance with internal lending policies.Analyze financial statements and pro forma financial information using trend analysis, ratio analysis, cash-flow analysis, industry benchmarks, and relevant macroeconomic and industry trends.Evaluate pledged collateral and determine its suitability in accordance with internal credit policies and industry best practices.Review and interpret third-party commercial appraisal reports, Phase I environmental reports, title insurance commitments and policies, and insurance documentation.Produce clear, thorough written analyses summarizing key findings, risks, opportunities, and financial considerations related to prospective borrowers and guarantors.Partner with senior credit leadership on all aspects of the participated commercial loan portfolio.Contribute to the refinement of lending policies, procedures, and processes while maintaining awareness of applicable state and federal regulations governing commercial lending.Develop and improve portfolio reports, tracking tools, and monitoring mechanisms to support effective oversight of commercial loans.Coordinate the Annual Term Loan Review process, monitor required covenants, and work with loan officers to obtain borrower financial reporting and other required documentation on schedule.Mentor and support junior credit team members while collaborating across departments to achieve both immediate priorities and longer-term objectives.Identify opportunities to improve efficiency, automation, reporting, and credit processes while maintaining strong risk management standards.RequirementsBachelor's degree in Business, Finance, Accounting, or a related discipline is strongly preferred.At least 5 years of experience in commercial banking, with a minimum of 5 years of direct credit analysis and commercial underwriting experience.Strong financial analysis and credit underwriting capabilities, including experience evaluating cash flow, financial ratios, trends, collateral, and industry conditions.Deep familiarity with commercial loan documentation and third-party reports, including appraisals, environmental assessments, title documentation, and insurance materials.Strong knowledge of commercial lending practices and the ability to stay current with applicable state and federal regulations.Proficiency with Microsoft Office applications, particularly Excel, Word, Outlook, and PowerPoint.Excellent written, verbal, interpersonal, and customer-service skills, with the ability to communicate complex financial information clearly and professionally.Strong critical-thinking, decision-making, integrity, flexibility, and problem-solving skills.Demonstrated ability to build collaborative relationships across departments and work effectively with stakeholders at different organizational levels.Self-directed and improvement-oriented, with a willingness to identify inefficiencies, embrace automation, and challenge existing processes constructively.Formal commercial credit analysis training through organizations such as ABA, Moody's, or RMA is preferred; relevant credit-risk certifications are a plus.Experience with nCino or comparable loan origination platforms is preferred.Community banking or credit union experience is advantageous.Reliable attendance and the ability to work independently in a remote environment are required.BenefitsRemote position open to candidates across U.S. time zones.Compensation range of $33–$50 per hour, adjusted based on geographic location and market factors.Low-cost employee medical contributions.Dental and vision coverage with zero employee contributions.401(k) retirement plan with a dollar-for-dollar employer match up to 5%.Generous paid time off program.Opportunities for professional development and continued learning.Collaborative, inclusive, and supportive work environment.Opportunities to contribute to process improvements, automation, and strategic initiatives.Flexible remote work environment designed to support work-life balance.