Senior Credit Analyst

The Senior Credit Analyst is responsible for independently underwriting complex commercial credit requests and providing clear, well-supported recommendations to the Bank's lending and credit teams. This position analyzes borrowers, guarantors, financial performance, repayment capacity, collateral, industry conditions, and transaction structure across a diversified commercial loan portfolio.

This position partners closely with commercial lenders, provides ongoing portfolio guidance, assists with borrower and prospect meetings, and mentors less-experienced credit analysts. The position reports to a Chief Credit Officer and supports the Bank's credit policies, risk-management standards, and regulatory compliance obligations.

Job Responsibilities:

• Independently underwrite new commercial loans, renewals, modifications, and annual reviews involving complex borrowing relationships.
• Analyze commercial real estate, investment real estate, C&I, operating line, construction and development, and SBA loan requests.
• Spreading financial statements and evaluating an entity's historical performance including strengths and weaknesses.
• Researching and analyzing industry trends and economic factors affecting the
• business.
• Perform cash flow, collateral, ratio, and trend analysis on borrower and/or guarantors.
• Prepare complete, accurate, and well-supported credit presentations for approval by the appropriate lending authority or loan committee.
• Preparing detailed narratives of company background, management expertise, and financial performance.
• Partner with commercial lenders to gather information, evaluate transaction structure, and resolve underwriting questions.
• Assess strengths, weaknesses, major risk factors, overall risk, and Bank's ability to mitigate key risks identified.
• Identify key credit risks and mitigating factors and recommend appropriate loan structures, covenants, collateral requirements, reporting requirements, and risk ratings.
• Review compliance with Loan Policy and Procedures (e.g. LTV, lending limits, collateral, etc.).
• Document loan policy exceptions (e.g. LTV, lending limits, collateral, etc.).
• Compiling the required information and documents.
• Participate in credit presentation at loan committee.
• Being a resource for others on Loan Policy and Lending Procedures.
• Monitoring loan renewals and collaborating with Lenders to obtain all required documents and information to maintain timely loan renewals.
• Monitor financial statement exceptions and assist Lenders in collecting the necessary information.
• Providing recommendations on loan structure and courses of action.
• Coordinating the order of commercial real estate appraisals and evaluations.
• Assist with the internal review of real estate valuations (e.g. appraisals, evaluations, validations).
• Identifying and recommending additional business and personal services for new and existing clients.
• Collection efforts and other support as needed (e.g. OREO, inspections, etc.).
• Support Loan Operations in documentation and ensuring lending policies and procedures are followed on an ongoing basis.
• Recommend risk rating changes when applicable.
• Assist with the Bank's annual review and portfolio stress testing processes.
• Service and maintain covenant tracking spreadsheet.
• Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance on financial analysis and underwriting practices.
• Interact by phone and in person with customers, prospects, and COI's to obtain critical information for loan analysis and underwriting.
• Remain informed about economic, industry, and regulatory developments that may affect the Bank's commercial loan portfolio.
• Attend outside trainings and report information to the team.
• Provide administrative support and other duties as needed.
• Complete all work by following established policies and operating procedures.
• Treat all client inquiries, questions, complaints with respect and follow through.
• Maintain the Bank's goal to be accessible to the client and to provide premium quality service.
• Maintain a high level of ethical behavior with clients and prospects.
• Assist the Bank in keeping abreast of the competition in terms of rates, services, and products.
• Be aware of and support the Bank's efforts in meeting Community Reinvestment Act (CRA).
• Help in the ongoing management of the Bank's loan management software.

Skillset & Experience:

• Effective communication when working with customers and/or employees.
• Ability to communicate with employees and understand their functions/processes.
• Be involved in developing solutions to meet the needs of the customer and/or employees.
• Flexibility to meet changing workload; highly self-motivated.
• Be a team player and be respectful to all staff, customers, and prospects. Provide leadership where assigned.
• Proficient in Microsoft Office Suite and other applicable software.
• Demonstrated ability to independently underwrite complex commercial credit relationships.
• Must be detail-oriented with effective written and verbal communication skills.
• Must be familiar with accounting principles.
• Be familiar with banking laws, regulations, policies, and practices preferred.
• Strong organizational skills.
• Strong interpersonal skills and the ability to articulate in front of others.
• Must possess a desire to learn and expand knowledge across the organization.
• Must be flexible and patient.
• Bachelor's degree in finance, business, accounting, or economics preferred.
• 3+ years of progressively responsible commercial credit analysis or underwriting experience.
• Banking experience required.

Working Conditions:

• Must be able to sit for periods greater than 45 minutes at a time.
• Must be able to stand for periods greater than 30 minutes at a time.
• Must be able to lift a minimum of 25 pounds.
• Must be able to use computer monitors for periods greater than 45 minutes at a time.
• Must be able to perform basic typing functions.
• Some area travel – approximately 5%.

Note: This job description is not intended to be all-inclusive. Employee may perform other duties as assigned to meet the ongoing needs of the Bank.