Senior Credit Analyst

POSITION SUMMARY:

The Senior Credit Analyst is an expert individual contributor responsible for independently analyzing complex commercial credit relationships, preparing high-quality credit presentations, identifying portfolio risk themes, and serving as a technical credit resource to bankers and analysts. The position applies advanced commercial credit judgment, strong policy discipline, and portfolio perspective to support sound lending decisions, consistent risk-rating practices, audit-ready documentation, and effective credit monitoring for complex or high-impact relationships.

ESSENTIAL FUNCTIONS:

• Credit & Financial Acumen
  • Analyze complex commercial relationships, including multi-entity borrowers, global cash flow, guarantor analysis, collateral coverage, covenant capacity, industry risks, sensitivity scenarios, and repayment sources.
  • Prepare high-quality credit presentations, underwriting analyses, annual reviews, renewals, modifications, criticized/classified credit support, and risk-rating recommendations for complex or higher-impact relationships.
  • Evaluate borrower performance, market and industry conditions, collateral trends, policy exceptions, covenant structure, and monitoring plans to develop well-supported credit conclusions.
  • Partner with lenders and credit leaders on transaction structure, risk mitigation, recommended conditions, covenants, reporting requirements, and alternative structures when appropriate.
  • Identify portfolio-level themes or emerging credit risks and communicate observations that support credit quality, portfolio monitoring, and management reporting.
  • Prepare clear, concise, and well-supported credit memorandums that connect borrower performance, cash flow, collateral position, loan structure, risk rating, and potential portfolio impact, while identifying risk mitigation strategies and structuring alternatives that support sound lending decisions.
• Credit Administration
  • Serve as a technical resource for credit analysis, underwriting standards, risk-rating discipline, credit memo quality, borrower monitoring, and documentation expectations.
  • Promote consistent application of loan policy, credit standards, lending authorities, regulatory expectations, control requirements, and audit-ready documentation practices.
  • Monitor complex credit relationships, including covenant compliance, financial reporting requirements, risk-rating changes, exception trends, credit file quality, collateral issues, and borrower performance updates.
  • Support loan committee, management, or credit approval discussions through clear presentation of credit conclusions, risks, mitigants, and recommended actions.
  • Assist with special projects, portfolio risk reviews, process improvements, template enhancements, training initiatives, or credit administration reporting as assigned.
• Operational Excellence
  • Exercise advanced credit judgment and high independence in complex or ambiguous credit situations while escalating material concerns appropriately.
  • Manage complex and competing priorities with strong organization, accuracy, timeliness, and follow-through.
  • Contribute to process improvement, template quality, credit memo consistency, and stronger analytical standards across the credit function.
  • Mentor Credit Analysts, support onboarding or development efforts, and reinforce disciplined analytical standards across the credit function.
  • Influence credit quality outcomes through strong technical analysis, clear communication, policy discipline, and constructive partnership with lending and credit leaders.
  • Maintain reliable and predictable onsite and remote work attendance to meet business and customer needs.
• Culture & Values
  • Demonstrate respect for others by fostering an inclusive, collaborative, and professional work environment.
  • Embrace curiosity by seeking to learn, improve, and identify opportunities for growth and innovation.
  • Act with integrity by maintaining accountability, following policies and procedures, and doing what is right for customers, colleagues, and the Bank.
  • Promote authenticity through honest and forthright communication as well as transparency.
  • Strengthen unity by working cooperatively across teams, supporting shared goals, and contributing to a positive culture.

PEOPLE LEADER RESPONSIBILITIES:

This position is an individual contributor role and does not have direct reports. The position is expected to provide technical guidance, mentoring, and informal coaching to Credit Analysts and other lending partners as appropriate.

WORK ENVIRONMENT:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and scanning machine.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an Associate to successfully perform the essential functions of this job. While performing the duties of this job the Associate must be able to sit for long periods of time on a regular basis and is occasionally required to stand; walk; use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; talk and hear. The associate may occasionally lift or move up to 5 pounds. Specific vision abilities required by this position include close vision.

EXPECTED HOURS OF WORK:

Days and hours of work are generally Monday through Friday. Associates are expected to work a regular full-time schedule, with flexibility in start and end times between the hours of 7:00 AM and 6:00 PM, consistent with business and customer needs. This position may occasionally require additional hours, including evenings or weekends.

TRAVEL:

This position may occasionally require local or regional travel for training, meetings, customer or lender discussions, credit-related due diligence, or professional development activities. Overnight travel is infrequent.

POSITION REQUIREMENTS:

Experience:

• Six or more years of relevant commercial credit analysis, commercial lending, loan review, credit administration, accounting, finance, or related banking experience preferred.
• Demonstrated ability to independently analyze complex commercial relationships and prepare high-quality credit presentations with well-supported recommendations.
• Expert working knowledge of loan policy, credit structures, risk ratings, collateral analysis, guarantor analysis, covenant monitoring, credit exceptions, and regulatory or audit expectations.
• Experience mentoring analysts, strengthening credit memo quality, supporting credit committee materials, or serving as a technical resource preferred.
• Effective planning and priority setting ability to manage several complex projects simultaneously while working under pressure to meet deadlines.
• Strong computer proficiency, including Microsoft Excel, Word, and PowerPoint; experience with credit spreading, loan origination, portfolio monitoring, or credit administration systems preferred.
• Excellent written and verbal communication skills, including the ability to communicate complex credit issues clearly to bankers, credit partners, and senior leaders.

Education:

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Agribusiness, or a related field preferred.
• Equivalent combination of education and relevant experience may be considered.