Senior Credit Analyst
About The Position
Kendall Bank is seeking a motivated Senior Credit Analyst with strong analytical skills, exceptional attention to detail, and a collaborative mindset. This role plays a key part in evaluating complex commercial lending opportunities and supporting sound credit decisions across the organization. For over 120 years, Kendall Bank has been dedicated to helping individuals, families, and businesses achieve their financial goals by providing an exceptional banking experience that blends the expertise and technology of a larger institution with the personalized service and trusted relationships of a local community bank. As a Senior Credit Analyst, you will conduct advanced credit analysis on new and existing commercial lending relationships, assist lenders with complex credit structures, and offer recommendations that contribute to sound credit decisions. This position requires a thorough understanding of financial statement analysis, industry and market trends, commercial lending, risk assessment, and regulatory compliance.
Requirements
- Strong commercial credit analysis and financial statement interpretation skills.
- Advanced knowledge of cash flow analysis, collateral evaluation, and credit risk assessment.
- Excellent organizational, problem-solving, and critical-thinking abilities.
- Strong written and verbal communication skills.
- Ability to work independently while collaborating effectively with lenders and other departments.
- Commitment to accuracy, professionalism, and client service excellence.
- Positive attitude and dedication to supporting Kendall Bank's mission, vision, and growth strategies.
Responsibilities
- Analyze complex commercial credit requests and prepare detailed credit presentations and recommendations.
- Evaluate financial statements, cash flow, collateral, guarantor strength, and debt repayment capacity.
- Identify key credit risks and mitigating factors while assessing overall creditworthiness.
- Support loan officers and senior management in structuring credit facilities and making informed lending decisions.
- Monitor existing credit relationships and maintain current financial information and documentation.
- Ensure loan files are complete, accurate, and compliant with bank policies and regulatory requirements.
- Assist with annual reviews, covenant monitoring, and risk rating assessments.
- Serve as a resource and mentor to junior credit analysts as needed.
- Maintain knowledge of industry trends, market conditions, and best practices in commercial credit analysis.
- Perform all responsibilities in accordance with applicable federal and state banking regulations.
Benefits
- Medical, Dental, and Vision coverage options available for employees, families, and domestic partners
- Health Savings Account (HSA)
- Flexible Spending Account (FSA)
- Life Insurance and Disability Protection
- 401(k) Retirement Plan
- Generous Paid Time Off (PTO)
- Professional development opportunities
- Advancement and leadership development opportunities within a growing organization
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
