Senior Commercial Credit Analyst
About The Position
The Senior Commercial Credit Analyst evaluates the risk of extending credit by reviewing borrower and guarantor financial information and translating the analysis into clear recommendations for lending decisions. The role takes ownership of the bank’s most complex credit relationships and serves as a resource for the analyst team. The analyst spreads and analyzes financial statements and tax returns, completes global cash flow and collateral analyses, prepares independent credit memos and loan presentations, and completes annual relationship and loan reviews. The role partners with lenders to gather and clarify financial details, reinforces credit policies, and provides feedback on department direction. The work involves prioritizing higher-complexity relationships, conducting detailed analysis, collaborating with lenders, preparing concise decision-ready narratives, keeping annual reviews on schedule, coaching newer analysts, monitoring deadlines and policy considerations, and preparing for committee or approval discussions.
Requirements
- Bachelor’s degree in Finance or Accounting.
- 4–5 years of commercial credit analyst experience in a banking environment.
- Strong credit risk assessment skills.
- Strong financial statement analysis skills.
- Strong memo and presentation writing skills.
- Knowledge of banking accounting rules, regulations, and policies.
- Advanced Excel and Microsoft Office skills.
- Clear communication ability.
- Mentoring and leadership ability.
Responsibilities
- Evaluate credit risk by reviewing borrower and guarantor financial information and developing recommendations for lending decisions.
- Take ownership of the bank’s most complex credit relationships.
- Spread and analyze financial statements and tax returns.
- Complete global cash flow and collateral analyses.
- Prepare independent credit memos and loan presentations.
- Complete annual relationship and loan reviews.
- Partner with lenders to gather and clarify financial details, confirm assumptions, and align on next steps.
- Reinforce credit policies and provide feedback on department direction.
- Coach newer analysts on credit structure, cash flow, and risk.
- Monitor progress against deadlines and prepare materials for committee or approval conversations.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- 401(k)
- Life insurance
- Flexible Spending Account (FSA)
- Competitive salary
- Paid Time Off (PTO)
- Bank-paid short-term and long-term disability insurance
- Pet insurance
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What This Job Offers
Job Type
Full-time
Career Level
Senior
