Sr. Commercial Credit Analyst
About The Position
The Sr. Commercial Credit Analyst analyzes commercial credit and financial information, prepares credit recommendations and approval materials, and supports the asset quality and administration of the commercial portfolio. The role works directly with Commercial Lenders on complex approvals, renewals, and loan modifications, and completes complex annual reviews with little to no oversight. It also maintains loan records and ticklers, monitors borrower financial statements, and coordinates appraisal and environmental report reviews. The position prepares recurring and as-needed reports, provides suggestions for report enhancements, and prepares quarterly loan credit history comments as needed. It delivers responsive service to Bank customers, follows applicable regulatory requirements and Bank policies and procedures, and mentors and trains junior team members. This is an office-based position; reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
Requirements
- Bachelor’s degree in Finance, Accounting, or a related field.
- Three to five years of direct commercial credit analysis experience, coupled with formal credit training.
- Proven ability to complete the most complex credit analysis without managerial guidance and with little to no corrections.
- Proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.
- Proficiency with financial spreading software, commercial software applications, and banking core data platforms.
- Excellent verbal and written communication skills.
- Ability to multitask in a team-oriented environment, focus on customer service, and deliver finished work within predetermined timeframes.
- Ability to interact effectively with customers and respond to sensitive inquiries or complaints tactfully and professionally.
- Outstanding quantitative and analytical skills, including ability to interpret complex documents and calculate discount rates, interest rates, commissions, proportions, percentages, and ratios.
- Solid understanding of accounting principles and federal tax reporting.
- Ability to define problems, collect data, establish facts, think critically, solve problems analytically, and draw valid conclusions.
- Ability to perform office-based tasks involving typing, writing, and filing; move around the office; sit for extended periods; see and hear in an office setting; and occasionally transport up to 20 pounds.
Responsibilities
- Spread and analyze financial statements and present credit recommendations verbally and in writing.
- Work directly with Commercial Lenders to prepare approval memos, renewal requests, and loan modifications of the highest complexity with little to no oversight.
- Assist in protecting commercial portfolio asset quality by preparing annual reviews for the most complex commercial relationships.
- Maintain tickler systems within the Loan Origination platform to ensure accurate recordkeeping.
- Assist in monitoring requests for and receipt of borrowers’ financial statements.
- Order, receive, track, and review appraisals and environmental reports.
- Prepare standard reports regularly and as needed, and suggest report enhancements.
- Prepare quarterly credit history comments summarizing loans as needed.
- Provide a high level of service and responsiveness to Bank customers.
- Perform duties in accordance with regulatory compliance guidelines and established Bank policies, strategies, and procedures.
- Mentor and train junior team members.
- Perform other duties as assigned, which may be related or unrelated to the ordinary duties of the position.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
