Senior Credit Analyst

COMMUNITY BANK•Waynesburg, PA

11d

About The Position

The Senior Credit Analyst is responsible for evaluating the creditworthiness of new and existing clients by conducting comprehensive financial analyses and risk assessments. This role facilitates timely and accurate valuation services and supports the Bank’s credit approval process by preparing detailed credit memos, interpreting financial data, and recommending loan structures that align with regulatory compliance and Bank risk tolerance.

Requirements

Minimum of bachelor’s degree in finance, accounting, or related field required.
Minimum of five years of experience as a Credit or Financial Analyst required.
Experience in underwriting C&I transactions required.
Advanced financial analysis and credit underwriting skills.
Strong understanding of banking regulations, loan documentation, and risk management principles.
Technical proficiency in Microsoft Office Suite, financial modeling software, and loan origination systems.
Strong organizational skills and attention to detail.
Strong communication, interpersonal, analytical, mathematical, and critical thinking skills.
Comfort with working in a dynamic environment where priorities can shift quickly.
Ability to work both independently and collaboratively with colleagues across various departments maintaining a professional demeanor.
Efficiently perform the essential duties and responsibilities of the position.
Consistently attend work, meetings, and required training or staff events.

Nice To Haves

Experience utilizing commercial LOS system desired.

Responsibilities

Lead the evaluation of complex commercial loan requests to support comprehensive credit analysis and ensure sound credit decisions are aligned with Bank policy and regulatory standards.
Manage the collection of financial statements, conduct annual reviews, and perform covenant testing for an assigned commercial portfolio.
Ensure credit reports and recommendations are thorough, accurate, and compliant with internal credit policies and industry’s best practices.
Collaborate with management to identify and mitigate potential risks, maintaining a balanced credit portfolio aligned with strategic business objectives.
Partner with commercial lending officers, relationship managers, and cross-functional teams to gather relevant information, assess credit risk, and structure credit facilities that effectively balance risk mitigation with business opportunity.
Evaluate loan requests by preparing written credit assessments for proposed commercial loans by assigning risk ratings and recommending appropriate loan structures and covenant recommendations.
Assign appropriate risk ratings and provide oversight on loan structures, aligning with the Bank’s credit policy and risk appetite.
Clearly communicate complex credit analyses and recommendations to stakeholders, including management, in a concise and actionable manner.
Support loan and credit line negotiations by providing insights on terms and conditions when needed.
Maintain accurate and timely documentation of credit assessments, decisions, and supporting rationale in accordance with audit and regulatory standards.
Prepare regular reports on the performance of the commercial credit portfolio, highlighting key risks, emerging trends, and growth opportunities.
Communicate findings to management that may adversely impact loan collateral or a borrower’s ability to repay, ensuring timely escalation of potential credit concerns.
Collaborate with relationship managers to obtain current financial information for existing and proposed loans and ensure timely tracking and scanning of documents into the system.
Review loan files as needed to ensure quality, consistency, and compliance with established lending guidelines and regulatory standards.
Maintain a strong knowledge of the Bank’s lending policies and procedures and proactively identify and report exceptions to policy.
Provide audit support by preparing documentation, facilitating system access, and responding to inquiries from internal and external auditors.
Ensure all credit files are complete and accurate; identify documentation deficiencies and coordinate with loan officers and credit administration for prompt resolution.
Mentor and train junior analysts, equipping them with the tools, knowledge, and guidance necessary for success in their roles.
Identify and implement process improvements to enhance operational efficiencies and risk mitigation.
Comply with government, regulatory, and Bank policies and procedures.
Perform other duties assigned, in support of departmental goals and organizational priorities.