Senior Credit Analyst

German American Bank • Whitehall, OH

23h

About The Position

The Senior Credit Analyst evaluates commercial credit opportunities and provides analytical support to lending teams through financial analysis, risk assessment, and credit underwriting. The role serves as a subject matter expert within the Credit Department, managing complex credit relationships and providing sound credit recommendations that support the bank’s growth objectives and risk management standards.

The Senior Credit Analyst works with Commercial Lenders, Credit Administration, and leadership to assess borrower financial performance, identify credit risks, and support informed lending decisions. The role also mentors and supports Credit Analysts, promoting consistency, efficiency, and quality in the credit underwriting process.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Five to seven years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role.
• Demonstrated experience analyzing complex commercial credit relationships across a variety of industries.
• Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures.
• Advanced financial statement analysis skills.
• Commercial credit underwriting skills.
• Cash flow analysis and debt service evaluation skills.
• Risk assessment, problem-solving, and commercial loan structuring skills.
• Critical thinking, attention to detail, and accuracy.
• Strong written and verbal communication skills, including the ability to communicate complex financial concepts to diverse audiences.
• Professional judgment and decision-making abilities.
• Collaboration, partnership-building, presentation, and consultation skills.
• Initiative, accountability, intellectual curiosity, and commitment to continuous learning.
• Organizational and time-management abilities, adaptability, and a process-improvement mindset.
• Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
• Experience using credit analysis software, financial spreading tools, and loan origination systems.
• Ability to use technology and reporting tools to improve analytical effectiveness and operational efficiency.

Nice To Haves

• Bilingual or multilingual.

Responsibilities

• Analyze commercial loan requests by evaluating borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
• Identify trends, strengths, weaknesses, and emerging risks that may affect borrower financial performance.
• Prepare accurate, comprehensive credit presentations, loan approval packages, annual reviews, and renewals.
• Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
• Meet established service-level expectations and underwriting deadlines.
• Provide commercial lenders and credit leadership with timely financial analysis and risk-based recommendations.
• Communicate financial results, credit risks, and mitigating factors to support lending decisions.
• Assist lenders in understanding industry-specific financial considerations, operating trends, and market conditions affecting borrower performance.
• Maintain working relationships with lending teams and other organizational stakeholders.
• Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
• Ensure risk ratings accurately reflect the current condition of borrowing relationships.
• Support credit quality initiatives and portfolio monitoring activities.
• Mentor and serve as a resource to Credit Analysts.

Benefits

• Medical, dental, vision, short-term disability, long-term disability, and life insurance.
• 17 days of paid time off, 11 paid holidays, and bereavement leave.
• Education Assistance Program.
• Paid Parental Bonding Leave.
• Wellness benefits.
• Life event coverage.
• Service awards.
• Financial benefits, including a 401(k) match and stock purchase plan.
• National and local discounts on computers, vacations, phones, retail shopping, and other items.
• Logo wear discounts.
• Free checking account, checks, and discounted bank services.

What This Job Offers

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