Senior Commercial Credit Analyst

This is a banking position

In this role, you’ll lead advanced credit analysis, support lending officers, and mentor junior analysts while helping drive strong portfolio performance and client relationships. You’ll prepare complex credit memos, conduct independent financial and industry analysis, and collaborate across departments to ensure sound credit decisions and operational excellence.

Responsibilities

• Prepare and present comprehensive credit memos for new and existing commercial clients, including financial analysis, risk rating, and loan structuring.

• Partner with Portfolio and Relationship Managers on credit needs, portfolio management, and business development opportunities.

• Mentor and guide Commercial Analyst Trainees and Commercial Credit Analysts; assist in workload allocation and skill development.

• Independently analyze market data and third-party reports to assess industry trends and credit risk.

• Provide recommendations to Loan Operations, Collateral Management, and Treasury Management teams to improve processes.

• Communicate with commercial clients regarding loan requests and coordinate internally for timely responses.

• Ensure adherence to internal credit policies and regulatory standards.

• Participate in commercial lending meetings and long-term strategic discussions.

Qualifications

• Bachelor’s degree required; preferred majors include accounting, finance, business, or economics.

• Minimum one year of commercial credit analysis and completion of a formal credit training program required.

• Strong written and verbal communication skills; ability to tailor messaging to diverse audiences.

• Proficiency in Microsoft 365, with strong Excel capabilities and ability to learn new software systems.