Sr Credit Analyst - Bank
About The Position
The Sr Credit Analyst provides expert financial analysis and creditworthiness assessments for existing and prospective business lending and Treasury Management clients. The role also manages special assets and monitors troubled loans and watchlist credits. The analyst evaluates complex lending and Treasury Management requests, advises lenders on product and loan structures, and manages ongoing credit reviews. This position serves as a subject matter expert on SBA loan approvals and business lending and Treasury Management credit policies and procedures. It prepares and presents troubled-loan monitoring reports to Loan/Credit Committee, supports portfolio risk assessments, and works with external regulators on requested documentation and analysis. The role interacts with Thrivent employees and leadership, clients, vendors, contractors, and consultants.
Requirements
- At least 6 years of experience in financial analysis, commercial or business lending, and Treasury Management.
- A four-year degree in accounting, business, finance, or a related field, or equivalent experience.
- Excellent knowledge of business lending and Treasury Management regulations and products and services, including ACH and remote deposit capture.
- Excellent knowledge and application of business lending and Treasury Management credit policies and procedures.
- Excellent knowledge of the banking industry and ability to present a professional and dynamic image.
- Ability to produce results without direct supervision.
- Ability to use experience and judgment to plan and accomplish assigned tasks.
- Excellent human relations and change management skills.
- Excellent understanding of financial ratios and global universal cash flow analysis.
Nice To Haves
- CPA designation.
- Strong Excel experience, including advanced formulas, pivot tables, and data analysis.
- Non-profit lending and underwriting experience.
- Experience underwriting complex CRE loan requests.
Responsibilities
- Evaluate and review complex business loan and Treasury Management requests.
- Recommend loan structures and Treasury Management products to lenders.
- Analyze complex documents to identify risk factors and assess levels of risk.
- Manage ongoing reviews of credit relationships, including loan memorandums and annual reviews.
- Recommend credit structures to lenders based on knowledge of credit policy.
- Serve as the primary contact and subject matter expert for the SBA loan approval process.
- Prepare written analyses, spreadsheets, reports, summaries, and opinions for loan activities.
- Serve as a credit policy and procedure expert for business lenders and Treasury Management.
- Independently prepare and present troubled-loan monitoring reports to Loan/Credit Committee.
- Oversee special assets and watchlist credits for commercial lending.
- Assist the accounting department with risk assessments of commercial, mortgage, and consumer lending portfolios.
- Work directly with external regulators on requested documentation and analysis.
- Explain product and service features and benefits to customers in coordination with lenders.
- Assist in orienting and training lower-level employees.
Benefits
- Various bonuses, including annual or long-term incentives.
- Medical, dental, and vision insurance.
- Health savings account.
- Flexible spending account.
- 401(k).
- Pension.
- Life and accidental death and dismemberment insurance.
- Disability insurance.
- Supplemental protection insurance.
- 20 days of paid time off each year.
- Sick and Safe Time.
- 10 paid company holidays.
- Volunteer Time Off.
- Paid parental leave.
- Employee Assistance Program (EAP).
- Well-being benefits.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
