Senior Credit Analyst

Senior Credit Analyst COMPANY PROFILE:

One of the most well-respected and prestigious locally owned and operated banks in the tristate area. They are employee owned, have a history of promoting people within, and believe in giving back to the communities they serve. Here you can enjoy a healthy family-friendly working atmosphere with one of the best benefits plans in the region.

• $80,000 - $110,000-+
• Bonus
• 401k with 7% match
• ESOP profit sharing.
• Health, HSA, dental, vision, live insurance.
• Competitive vacation, sick leave, FMLA.
• Wellness package.
• Volunteer service hours.
• EAP
• Education & Tuition Reimbursement
• Great work environment.

• Analyze and risk-rate complex commercial, agricultural, SBA, and other credit relationships, ensuring recommendations align with lending policy, regulatory expectations, and the bank’s risk tolerance.
• Evaluate borrower and guarantor financial strength by reviewing financial statements, tax returns, credit reports, cash flow, projections, trends, and key financial ratios; summarize findings in clear credit presentations.
• Conduct annual loan reviews, monitor covenant compliance, identify credit weaknesses or policy exceptions, and recommend actions to strengthen the bank’s position and reduce risk exposure.
• Partner with lenders, credit leadership, and loan committees to address documentation issues, credit exceptions, underwriting concerns, and complex loan decisions through clear, well-supported recommendations.
• Provide guidance, mentoring, and training to less-experienced credit staff while contributing to department initiatives, committee discussions, process improvements, and special projects.