Senior Credit Analyst

Civista Bank•Lawrenceburg, IN

12d

About The Position

Civista Bank is seeking an experienced Senior Credit Analyst to support its commercial banking team across the Cincinnati, Northern Kentucky, and Southeast Indiana markets. The role analyzes and evaluates commercial credit relationships by assessing financial performance, collateral adequacy, industry conditions, and repayment capacity. It supports lending objectives through credit analysis, risk assessment, and portfolio management while ensuring compliance with bank policies and regulatory requirements. The analyst works closely with Lending, Credit Administration, and other internal stakeholders to provide credit recommendations that support prudent portfolio growth and risk management. The position prepares credit approval packages, loan presentations, and reviews; assesses borrower risk and transaction structures; and supports ongoing administration and monitoring of assigned loan relationships. It also contributes to policy and process improvements, special projects, and strategic opportunities such as acquisitions and portfolio purchases. Work is primarily in an office environment, with occasional travel for meetings, training, or customer visits.

Requirements

Minimum of 5 years of commercial credit analysis, underwriting, commercial banking, or related financial services experience.
Strong understanding of commercial financial statement analysis, cash flow analysis, and credit risk assessment.
Experience evaluating commercial collateral and loan structures.
Knowledge of commercial lending practices, credit administration, and regulatory requirements.
Strong analytical, organizational, and problem-solving skills.
Excellent written and verbal communication skills, including the ability to present complex financial information clearly and concisely.
Ability to manage multiple priorities and meet established deadlines.
Proficiency in credit underwriting systems, financial spreading software, Microsoft Excel, Word, and other business applications.
Ability to work independently while maintaining collaborative working relationships across the organization.

Nice To Haves

Bachelor’s degree in finance, accounting, business administration, economics, or a related field preferred.

Responsibilities

Analyze financial information for new, renewing, and existing commercial loan relationships.
Complete financial spreads, cash flow analyses, collateral evaluations, and covenant reviews.
Assess borrower repayment capacity, identify potential credit risks, and evaluate industry, market, and macroeconomic conditions affecting borrower performance and credit quality.
Use available reports, financial data, and risk indicators to form independent credit conclusions.
Prepare written credit approval packages, loan presentations, and credit reviews using approved underwriting systems and tools.
Develop risk assessments and credit recommendations for management approval, and present findings in accordance with bank policy and underwriting standards.
Ensure credit analyses are accurate, supported, and completed within established service standards and timelines.
Collaborate with Commercial Bankers, Lending Officers, Credit Administration, Loan Operations, and other internal partners to support lending activities.
Evaluate transaction structures and recommend options aligned with the Bank's risk appetite.
Maintain understanding of bank credit policies, procedures, and underwriting guidelines.
Monitor regulatory developments, industry trends, and market conditions that may affect credit quality or underwriting practices.
Recommend enhancements to credit policies, procedures, and risk management practices as appropriate.
Ensure compliance with applicable banking regulations, internal controls, and audit requirements.
Perform ongoing credit administration and portfolio monitoring for assigned loan relationships.
Review borrower performance, financial reporting requirements, covenant compliance, and risk rating accuracy.
Identify emerging risks and recommend action plans to mitigate potential losses.
Assist in maintaining the quality and performance of the commercial loan portfolio.
Participate in special projects and initiatives, including due diligence and credit-related activities for acquisitions, portfolio purchases, and other strategic opportunities.
Contribute to process improvement efforts and perform other duties as assigned by management.