Senior Commercial Credit Analyst

Home Bank SB • Martinsville, IN

2d

About The Position

The Senior Commercial Credit Analyst is responsible for credit underwriting, portfolio management, and risk analysis across the bank's commercial loan portfolio. This position provides subject‑matter expertise in credit policy, supports complex commercial lending opportunities, and contributes to strategic portfolio quality and growth. The Senior Commercial Credit Analyst leads the completion of high‑quality credit analyses and serves as a key resource to lenders and junior analysts. Responsibilities include ensuring that all credit decisions and processes adhere to regulatory requirements and policies established by the Board of Directors.

Requirements

• Bachelor's degree in finance, accounting, business, or related field preferred.
• Minimum 3–5 years of commercial credit, underwriting, or related banking experience preferred.
• Strong financial analysis, accounting, and risk assessment skills.
• Ability to manage multiple complex assignments with accuracy and attention to detail.
• Excellent communication skills and ability to collaborate effectively with lenders and leadership.
• Strong computer proficiency in financial analysis tools, credit systems, and Microsoft Office applications.

Responsibilities

• Conducting credit analyses and underwriting of new and existing credit transactions
• Ensure credit structures appropriately balance risk, collateral, and pricing while meeting bank policy and regulatory standards.
• Oversee portfolio monitoring activities, ensuring timely financial reporting, covenant tracking, and identification of emerging risks.
• Lead the annual review process for assigned segments of the commercial portfolio, ensuring accuracy and completeness.
• Provide recommendations for risk rating changes, corrective actions, or workout strategies when needed.
• Support credit administration by maintaining accurate and comprehensive credit files and documentation.
• Ensure adherence to all internal policies, loan documentation standards, and regulatory requirements.
• Provide expertise on commercial loan documentation, collateral requirements, and lien perfection.
• Maintain independence and objectivity in all credit evaluations and recommendations.
• Support loan audits and regulatory examinations by providing accurate, well‑supported credit information.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level