Senior Credit Analyst

Bankwell Bank • New Canaan, CT

286d

About The Position

Bankwell is a commercial bank with more than $3 billion in assets that serves the banking needs of businesses and individuals. At Bankwell, we pride ourselves on our unique ability to bring you high touch, high quality banking with the expertise and dedication of our experienced team of professionals. When it comes to business, our deep industry knowledge, flexibility and innovative treasury and financing services enable us to find the right solutions for our business and commercial clients. We're passionate about giving back and are actively involved with many not-for-profit organizations that help shape and improve the lives of others. We're dedicated to giving our time and talent to support the communities we serve. More about Bankwell can be found at www.mybankwell.com. In this role, the analyst will be analyzing primarily Commercial & Industrial (C&I) loans, with emphasis on special industries including but not limited to health care and leasing & finance.

Requirements

• Minimum 10+ years' experience in commercial credit at a commercial bank, credit union, or other lending institution
• Must be formally credit trained
• In-depth knowledge of Microsoft Office Suite, including excellent Word and Excel skills required
• Bachelor's degree required with a focus in either finance or accounting preferred, or commensurate Master's degree program in finance or accounting
• Ability to function effectively, efficiently, and independently in a fast-paced and rapidly expanding environment
• Strong sense of integrity and personal ethics
• Strong verbal and written communication skills
• Proficiency in Abrigo preferred

Responsibilities

• Perform extensive due diligence on commercial loan borrowers including but not limited to analyzing business and personal financial statements and tax returns, quality of earnings reports, industry data, appraisals and other third-party reports
• Work directly with Relationship and Portfolio Managers to obtain all necessary documentation and information required to thoroughly underwrite loan requests
• Draft detailed credit write-ups summarizing income statement, balance sheet, and cash flow components and trends, assessing repayment ability and capacity, and providing well-supported narrative analysis identifying and describing risk and mitigants of specific transactions and risk rating conclusions
• Display a deep understanding of complex credit, transaction, and borrower organizational structures
• Present analysis and address questions during credit request discussions or loan committee presentations
• Accompany Relationship Managers on borrower and property site visits, as needed, and often establishing a direct relationship with the client to expedite future due diligence dialogue
• Perform periodic credit reviews of updated financial information for existing borrowing relationships, assessing covenant compliance and adherence to loan policy

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree