Sr Credit Analyst​/Underwriter; SENIO

Position: Sr Credit Analyst/Underwriter (SENIO011941)

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011941) role at Centennial Bank

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Join to apply for the Sr Credit Analyst/Underwriter (SENIO
011941) role at Centennial Bank

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The Sr. Credit Analyst/Underwriter performs financial based analysis and

underwriting of credits which is used by the bank to assess risk and

monitor existing credits to entities or individuals. This position

performs analysis on the largest and most complex loans or relationships

with a Region or Industry. The Sr Credit Analyst/Underwriter engages

with Analyst I or II, as appropriate, to assist in the analysis of the

credits or relationships and as directed by their manager.

• This is a hybrid role available at any Centennial Bank location in

Arkansas.**
* Essential Duties And Responsibilities

1  Generate financial spreads, or oversee and review spreads prepared

by Analyst I or II within the bank lending operating system (nCino)

using financial statements to find and review trends. This duty is

performed daily, about 20% of the time.

2  Create spreadsheets designed to quantify borrower s personal,

global, and real estate cash flows/project analysis on an accurate and

timely basis. This duty is performed daily, about 20% of the time.

3  Create credit memos and annual reviews, as defined in current

department procedures. This duty is performed as needed, about 35% of

the time.

4  Attend loan committee meetings when directed by management. This

duty is performed daily, about 10% of the time.

5  Provide guidance and assistance in mentoring Analyst I & II as

directed by Regional Manager. This duty is performed weekly, about 10%

of the time.

6  Engage Analyst I or II to assist in tasks related to analysis of the

credits or relationships and provide oversight of work product to ensure

work product is accurate and delivered within necessary time frame to

complete overall analysis. This duty is performed weekly, about 5% of

the time.

7  Act as back up the Regional Manager or other CA leader in the review

of work product performed by other Analyst s on the team. This duty is

performed as needed.

8  The ability to work in a constant state of alertness and in a safe

manner. This duty is performed daily.

9  Complete required BSA/AML training and other compliance training as

assigned. This duty is performed quarterly.

10  Perform any other related duties as required or assigned.

** QUALIFICATIONS*
* To perform this job successfully, an individual must be able to perform

Each Essential Duty Mentioned Satisfactorily. The Requirements Listed

below are representative of the knowledge, skill, and/or ability

required.

** EDUCATION AND EXPERIENCE*
* Broad knowledge of such fields as accounting, marketing, business

administration, finance, etc. Equivalent to a four year college degree,

plus 7 years related experience and/or training, and 4 years related

management experience, or equivalent combination of education and

experience.

** COMMUNICATION SKILLS*
* Ability to write reports, business correspondence, and policy/procedure

manuals; ability to effectively present information and respond to

questions from groups of managers, clients, customers, and the general

public. Ability to read, analyze, and understand common scientific and

technical journals, financial reports, and legal documents; ability to

respond to complex or difficult inquiries or complaints from customers,

regulatory agencies, or members of the business community.

** MATHEMATICAL SKILLS*
* Ability to work with mathematical concepts such as probability and

statistical inference, and fundamentals of plane, algebra, solid

geometry and trigonometry.

** CRITICAL THINKING SKILLS*
* Ability to define problems, collect data, establish facts, and draw

valid conclusions. Ability to interpret an extensive variety of

technical instructions in mathematical or diagram form and deal with

several abstract and concrete variables.

** SOFTWARE S ILLS REQUIRED*
* Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing

Intermediate:
Alphanumeric Data Entry

Basic:
Human…