Sr. Credit Analyst

Overview Job Title: Senior Credit Analyst. Department: Lending Reports To: Deputy Chief Credit Officer. FLSA Status: Exempt Summary: Perform underwriting of loan requests and annual reviews. Assess and authorize credit limits and monitor credit risk. Provide analysis of customer financial statements. Ensure all data entry is accurate and complete. Responsibilities Senior commercial credit analysts are responsible for assessing credit requests and producing recommendations based on eligibility factors, including a careful analysis of a client’s financial information (income statements, tax forms, cash flow history, and current debt). Assign credit requests a rating based on the probability of default; determine risk to the lender and provide a final recommendation based on the loan amount and terms. Work closely with loan officers to inform them about loan policy and the results of the risk assessment. Collaborate with clients to verify information and perform additional research on their financial history and future. May work with clients after a loan is approved to evaluate past due accounts and assist with collections when appropriate. Assess collateral values and credit risk and prepare written credit approval packages and/or denial correspondence. Provide quantitative and qualitative analysis of applicant requests for loans and lines of credit. Qualifications Bachelor’s degree in finance, accounting, or a related field. Previous experience as a banking Commercial Credit Analyst required; 3+ years’ experience in credit or loan evaluation preferred. Ability to work independently on credit assessments. Customer service experience with both internal and external customers. May assume other responsibilities and/or requirements as business objectives impose. First Independence Bank is an Equal Opportunity Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identification, age, sex, marital status, national origin, disability, genetic information, height or weight, veteran status, or other category protected by local, state, or federal law. First Independence Bank offers competitive compensation and benefits which include health, dental, vision, life, and disability insurances, as well as a 401(k) and paid time off. #J-18808-Ljbffr