Senior Credit Analyst

JOB SUMMARY

The Senior Credit Analyst reviews and performs quality analyses for commercial loans to prospective and existing clients. This position assures that these analyses are accurate, objectively present the risk of the transaction, and address the bank's ability to be re-paid. The Senior Credit Analyst will manage credit analysts, which includes assigning tasks, reviewing reports, determining risks and rewards, compiling data, and organizing presentations to the Lending Committee.

Below are some of the essential functions to carry out this job.

• Lead and motivate others, hold them accountable for the accuracy and quality of their work, establish clear expectations of performance, recognize successes, and address performance issues.
• Review, analyze, and process commercial, commercial real estate, and construction loan requests while adhering to Bank policies and procedures. Perform ratio, cash flow, and collateral analyses to provide sound credit approval recommendations.
• Prepare financial statement spreadsheets, reports, summaries, and opinions for loan officers for new, renewing, and existing loans, including review for compliance and generating credit rating memorandum.
• Contact credit and financial sources and determine requirements for additional information or investigation into loan requests. Provide credit information and references to loan officers and authorized external sources.
• Determine the degree of risk involved in extending credit by performing a cash-flow analysis of each business.
• Research economic environment, business and industry cycles, and assess management and operations to understand non-financial risks associated with the borrowers.
• Review appraisals and environmental reports; review annual tax returns and financial statements.
• Review customers' financial statements.
• Ensure that extensions of credit reflect the bank's risk appetite and full compliance with credit policies, target market criteria, product programs, and all relevant internal policies. In case of less than full compliance, identify, elevate, approve, and monitor exceptions in line with exception management guidelines.
• Monitor and complete management reports including Loan Exception Report, Loan Covenant Tracking Report, Pipeline Report and ALR Report.
• Maintain a thorough understanding of the content and aggregate risks within the portfolio, trends, and other key statistics.
• Manage the renewal process by working with the Commercial support staff, the client, and the Credit Analyst department.
• Work in concert with Credit Administrator and Credit Analyst to organize and manage a tickler system for all loan relationships.
• Maintain education and professional expertise through attendance at job-related seminars, conferences, and workshops and complete all annual compliance training.
• Develop and implement new portfolio reporting and statistical approaches for continual monitoring of credit risk in the portfolio, identify trends in the portfolio and market and forecast likely outcomes.

• Strong managerial and supervisory skills required to supervise a managerial/professional staff of one or more people.
• Manage assigned team members; make routine employment decisions, review performance, make salary recommendations, assign work, provide coaching and training, advise team members as necessary, and resolve team member issues.
• Maintain department staff attendance records utilizing online timekeeping system.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's degree in business, finance or accounting or equivalent.
• Minimum three (3) years previous financial services commercial credit analysis experience.
• Excellent verbal and written communication skills, customer service, and organizational skills.
• Advanced spreadsheet analysis experience.
• Ability to read and interpret documents such as memos, loan documents, disclosures, training manuals, help screens and policy and procedure manuals.
• Ability to communicate effectively with colleagues and customers of the Bank.

The work environment characteristics described here are representative of those the employee encounters while performing the essential functions of this job.

Physical demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.…