Sr. Commercial Credit Analyst

Reports To:

EVP / Chief Credit Officer

Exempt

The Senior Credit Analyst is responsible for supporting and overseeing the Bank’s commercial credit risk management function through prudent underwriting, portfolio monitoring, credit analysis, risk identification, and policy adherence. This role maintains the overall soundness of the Bank’s commercial loan portfolio by identifying credit weaknesses, monitoring portfolio trends, evaluating concentrations, and ensuring credit decisions are consistent with the Bank’s risk appetite, lending policies, and regulatory expectations.

This role will independently underwrite and analyze new, renewed, and modified commercial credit requests, including Commercial & Industrial, Commercial Real Estate, construction, and other commercial loan relationships. Initially, this position will serve as the Bank’s primary commercial credit analyst, with the opportunity to develop into a leadership role overseeing additional credit analysts as the Bank’s commercial portfolio grows.

The Senior Credit Analyst will work closely with lending officers, credit administration, executive management, and loan committees to support responsible loan growth, strong credit quality, and effective portfolio risk management.

• Independently analyze, underwrite, and prepare credit presentations for new loans, renewals, extensions, modifications, and annual reviews.
• Evaluate borrower financial statements, tax returns, cash flow, debt service capacity, collateral support, guarantor strength, industry risk, and repayment ability.
• Prepare comprehensive written credit analyses for Commercial & Industrial, Commercial Real Estate, construction, and other commercial credit requests.
• Assess loan structure, collateral coverage, financial covenants, repayment sources, guarantor support, and compliance with Bank policy.
• Assign and support appropriate risk ratings based on financial performance, repayment capacity, collateral position, management strength, and overall credit risk.
• Identify policy exceptions, underwriting weaknesses, and credit risks, and provide clear recommendations for mitigation.
• Communicate directly with borrowers, as necessary, to understand changes in their financial statements or conditions.

• Monitor the commercial loan portfolio for emerging risks, credit deterioration, concentration concerns, policy exceptions, covenant violations, and risk rating changes.
• Conduct periodic portfolio reviews, including annual reviews, borrowing base reviews, covenant compliance testing, and collateral monitoring.
• Support stress testing, concentration risk analysis, and portfolio trend reporting to evaluate portfolio resilience and credit quality.
• Identify potential problem loans early and work with lending officers and management to recommend appropriate risk mitigation strategies and defined action plans.
• Monitor compliance with approved loan terms, conditions, covenants, reporting requirements, and tickler items.
• Assist in maintaining accurate and timely credit files consistent with Bank policy and regulatory expectations.
• Assist with collecting past due and delinquent loans, including direct contact with the customer if required.

• Participate in the enhancement, implementation, and monitoring of credit policies, procedures, underwriting standards, and risk appetite frameworks.
• Support ongoing evaluation of portfolio limits, concentration limits, policy exception tracking, and credit quality metrics.
• Ensure credit analysis and portfolio management practices align with applicable regulatory guidance, including expectations of the OCC, FDIC, Federal Reserve, and other authorities.
• Assist with preparation of monthly credit risk reports for executive management, the Directors’ Loan Committee, and the Board of Directors.
• Provide input on enhancements to credit administration processes, loan review preparation, risk rating methodology, and portfolio reporting.

• Serve as a senior credit resource to lending officers,…