Senior Credit Analyst

The Senior Credit Analyst (SCA) provides high level credit analysis on Alpine Bank’s credit accounts that have been deemed complex and uses strong analytical skills and familiarity with multiple, interrelated parties and guarantors with complex cash flows and sources of income to make well based decisions.

This position could be based out of any of Alpine Bank’s locations, pending available space.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Writes and delivers a variety of financial reports and formats, including but not limited to, audited statements, reviewed statements, tax returns, and company prepared statements.
• Actively participates in loan committee presentations, stating observations and analysis and participates in conference calls or customer meetings when requested.
• Assists in matters outside of financial analysis areas such as on other committees or aiding in revising of forms or procedures.
• Provides consistent analysis with close adherence to policies and standards in place; however, uses good judgment to determine when to make adjustments outside of the standard procedure to underwriting the credit when applicable.
• Completes deliverables in accordance of Service Level Agreements, while balancing a number of these requests in various stages of the process.
• Makes recommendations to the lender regarding cash flow trends or factors.
• Analyzes various financial portraits, processing information from various sources and uses of cash provided from the Uniform Credit Analysis (UCA) cash flow method.
• Reviews requests that are inclusive of: speculative and development loans, commercial and industrial (C&I) loans, troubled debt restructurings, tax exempt loans, municipal fund accounting and other loans of large dollar amounts or high risk in nature.
• Meets the set goal for completed files.
• Comfortably completes any loan type, including those meeting complex loan criteria.
• Daily, answers other credit analysts’ questions and reviews their analysis to make sure that the spreads are correct.
• Provides feedback, through loan reviews and general inquiries as to the annual performance review for the Credit Analyst Officer and/or Credit Analyst Supervisor.
• Assists with special projects as requested and/or as needed.
• Regular and reliable attendance is required as an essential function of this position.
• Performs other duties as assigned.

Employees are held accountable for all duties of this job.

Knowledge, Skills, and Ability:

• Exhibits comfort in analyzing all kinds of financial portraits and well versed in the various sources and uses of cash on the UCA cash flow.
• Familiarity with foreign financial statements, and the conversion of such to US dollars.
• Familiarity with requests that are inclusive of: speculative and development loans, C&I loans, troubled debt restructurings, tax exempt loans, municipal fund accounting and other loans of large dollar amounts or high risk in nature.
• Proficiency in identifying which sources of personal cash flow should be evident on an individual borrower or guarantor’s personal cash flow, and which should be omitted and why.
• Understands cash flow trends and will feel comfortable making recommendations to the lender regarding these trends or factors.
• Ability to implement new ideas or potential solutions without prompting.
• Ability to manage multiple projects and tasks at the same time while meeting specific and structured timelines.
• Understands the importance of and ability to maintain confidential information.
• Understanding and application of banking compliance regulations.
• Ability to establish credibility/positive intent with customers, co-workers and management.

This job operates in…