Senior Commercial Credit Analyst

Our client is seeking a Senior Commercial Credit Analyst to provide all aspects of credit analysis for current and prospective relationships within the Commercial Department. This role focuses on middle-market C&I loan requests, ensuring adherence to bank policy and regulatory standards.

• Prepare and present detailed credit memos on existing and prospective customers, including independent judgment and individualized assessment of financial statement analysis, risk code management, and loan structuring.
• Support Portfolio and Relationship Managers with existing relationships, commercial credit responsibilities, and business development/networking opportunities with existing commercial loan portfolios. Help identify opportunities for appropriate introductions with other business units to deepen the relationships.
• Provide mentorship and guidance to Commercial Credit Analysts by assigning and tracking their day-to-day duties and assisting with the allocation of their workloads.
• Independently research and analyze third party reports and data to assess and determine various industries and market conditions.
• Provide guidance, identify issues, and recommend alternatives for ongoing processes to Loan Operations, Collateral Management, and Treasury Management departments.
• Provide high-level customer communication for commercial loan requests, including assessing and implementing appropriate responses with various Bank teams.
• Demonstrate strong attention to detail, time management skills, and the ability to work well in a fast-paced environment.
• Ensure compliance with Bank policies and applicable regulations.
• Participate in regular Commercial Department meetings as well as respective loan division’s short-term and long-term planning.
• Exemplify best practices in loan analysis and credit assessment to set a high standard for the analysts.
• Conduct and complete additional assignments/projects as designated by management.

• Bachelor’s degree required with a focus in accounting, business, economics, or finance preferred.
• Minimum of one year commercial credit analysis required.
• Successful completion of a formal credit training program required.
  
  Must be professional and comfortable speaking with an ability to tailor the message appropriately based on the situation.
• Spanish speaking highly preferred.
• Demonstrated ability to convey thoughts and ideas effectively and succinctly via written formats, including emails, letters, and electronic platforms. Maintain professional standards relating to spelling and grammar.
• Maintain good working relationships with internal partners by exhibiting exemplary interpersonal skills, adopting a constructive, solutions-focused approach.
• Use sound professional judgment to balance the interests of the organization and customer, understanding and using available resources to mitigate risks.
• Proficiency with Microsoft 365 products and applications, including the ability to effectively prepare or review documents, procedures, and reports. Working knowledge of Microsoft Excel required.
• Demonstrated ability to learn new systems and applications, as well as the ability to understand, adapt and adjust responsibilities/workflows as a result of system upgrades.
• This position requires regular travel to various locations throughout the Bank's Miami, FL market; occasional out-of-state travel may be required.
• Typical hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. Additional hours may be required depending upon business need.