Senior Credit Analyst

SUMMARY The Senior Credit Analyst is responsible for performing in-depth credit and financial statement analysis to assess and evaluate the financial condition and creditworthiness of businesses that have obtained or seek to obtain credit from the Bank, under limited direction from Credit Leadership. This position generally underwrites the Bank’s more complex credit requests, with a strong focus on analyzing C&I relationships, and identifies policy deviations, covenant compliance matters, and structure-related recommendations to mitigate credit risk.

The Senior Credit Analyst also reviews key loan documentation, prepares periodic loan and portfolio reports, participates in customer meetings as requested, and ensures credit source documents, analyses, and related information are properly maintained. In addition, this role provides technical expertise, training, and support to assist the Commercial Credit Manager in developing other analysts and supporting credit-related systems, reporting tools, and technology initiatives.

• Independently spreads and analyzes financial statements and supplementary information. Performs detailed evaluations of customers’ credit capacities and provides detailed reports outlining the financial condition of prospective and present borrowers.
• Reviews trends in the customer’s business by comparing prior years and assessing covenant compliance. Reviews industry trends, assesses collateral, initiates credit inquiries, and assesses guarantor position.
• Assesses creditworthiness within the proposed structure and ensures adherence to the Bank’s loan policy and risk management goals, including identification of any deviations from policy.
• Proposes recommendations, including structure-related recommendations, to mitigate identified risks. Discusses findings with the Commercial Credit Manager and lending staff to communicate recommendations regarding loan structure and enhance credit quality on both an individual and portfolio basis.
• Reviews legal documentation for key loan and approval terms; identifies and tests covenants. Maintains related trackers as required.
• Performs periodic loan reviews for existing commercial real estate, commercial, and construction loans.
• Provides technical expertise and guidance to other credit underwriting staff, including integration support and assistance with implementing new credit-related technology and reporting.
• Participates in customer meetings as requested by lending staff.
• Prepares various periodic reports with respect to the loan portfolio.
• Ensures credit source documents, information, and analyses are properly saved and filed. Assists with integration and testing of new credit and electronic filing systems and technologies as needed.
• Establishes and maintains positive relationships and communication within the Credit Department, other departments, and clients to enhance customer service.
• Adhere to the Bank’s privacy and data security policies including but not limited to safeguarding of sensitive information and complying with relevant regulations to protect non-public information.
• Exhibit the ability and desire to embrace and enhance the Bank culture.

Job Type: Full‑time

DESCRIPTION The Senior Credit Analyst is responsible for performing in-depth credit and financial statement analysis to assess and evaluate the financial condition and creditworthiness of businesses that have obtained or seek to obtain credit from the Bank, under limited direction from Credit Leadership. This position generally underwrites the Bank’s more complex credit requests, with a strong focus on analyzing C&I relationships, and identifies policy deviations, covenant compliance matters, and structure‑related recommendations to mitigate credit risk.

The Senior Credit Analyst also reviews key loan documentation, prepares periodic loan and portfolio reports, participates in customer meetings as requested, and ensures credit source documents, analyses, and related information are properly maintained. In addition, this role provides technical expertise, training, and support to assist the Commercial Credit Manager in developing other analysts and supporting credit‑related…