Senior Credit Analyst

Senior Credit Analyst

Park Avenue Group is partnering with a financial institution in the search for a Senior Credit Analyst. This opportunity is ideal for an experienced commercial credit professional who can evaluate complex credits, provide sophisticated underwriting support, and serve as a trusted resource to lenders and the broader credit team.

Responsibilities:

• Analyze complex commercial, commercial real estate, and consumer credit requests.
• Perform detailed financial, cash flow, collateral, and credit analysis for new loans, renewals, and portfolio reviews.
• Prepare and present comprehensive credit memoranda and recommendations.
• Evaluate borrower financial statements, tax returns, projections, industry trends, and repayment capacity.
• Review appraisals and assess collateral adequacy.
• Recommend loan structures, terms, covenants, and conditions consistent with credit policy.
• Monitor covenant compliance and identify potential credit risks.
• Conduct financial research on existing and prospective commercial clients and ACH customers.
• Assist with portfolio stress testing and other credit risk initiatives.
• Provide coaching and mentorship to Credit Specialists and Credit Analysts.

Qualifications:

• Bachelor's degree in Accounting, Finance, or a related field.
• 5+ years of commercial and commercial real estate underwriting experience.
• Formal credit training required.
• Strong understanding of commercial credit analysis, financial statements, cash flow, and credit risk.
• Knowledge of applicable banking laws and regulations.
• Strong analytical, communication, and organizational skills.
• Proficiency with Microsoft Word and Excel.
• Experience analyzing complex credits and providing guidance to lending partners.