Credit Analyst Team Lead

The Credit Analyst Team Lead provides leadership, oversight, and professional development for a team of Credit Analysts while supporting the bank's commercial lending objectives. This role combines people leadership with advanced credit analysis responsibilities, ensuring high-quality underwriting, timely credit decisions, and adherence to established credit policies and procedures.

The Credit Analyst Team Lead also serves as a key partner to Commercial Lending teams by evaluating borrower financial performance, identifying risks and opportunities, providing industry insights, and promoting consistent credit practices across the organization. This position also plays an active role in process improvement initiatives and the ongoing development of credit risk management standards.

• Lead, coach, and develop a team of Credit Analysts to support individual growth and departmental objectives.
• Assist with recruiting, onboarding, training, performance management, and career development activities.
• Establish and monitor team priorities, workload distribution, and service standards to ensure timely completion of credit requests.
• Foster a collaborative, accountable, and customer-focused work environment.

• Analyze commercial loan requests through detailed evaluation of borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
• Identify trends, strengths, weaknesses, and significant changes in a borrower's financial performance.
• Prepare and review accurate and comprehensive credit presentations, loan approval packages, annual reviews and renewals.
• Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
• Meet established service level expectations and underwriting deadlines.

• Serve as a trusted advisor to commercial lenders and credit leadership by providing timely and accurate financial analysis and risk-based recommendations.
• Effectively communicate financial results, credit risks, and mitigating factors to support sound lending decisions.
• Assist lenders in understanding industry-specific financial considerations, operating trends, and market conditions affecting borrower performance.
• Maintain strong working relationships with lending teams and other key stakeholders across the organization.

• Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
• Ensure risk ratings accurately reflect the current condition of borrowing relationships.
• Support ongoing credit quality initiatives and portfolio monitoring activities.

• Participate in and lead continuous improvement initiatives to enhance efficiency, consistency, and credit quality.
• Support the implementation of best practices within the credit underwriting process.
• Ensure compliance with bank policies, regulatory requirements, and established credit administration standards.
• Monitor departmental performance metrics and adherence to analysis and reporting deadlines.

• Team development and coaching
• Performance management
• Relationship building and collaboration
• Adaptability and process improvement mindset

• Advanced financial statement analysis
• Commercial credit underwriting
• Cash flow analysis and debt service evaluation
• Risk assessment and problem solving
  
  Commercial loan structuring
• Critical thinking and problem-solving
• Attention to detail and accuracy

• Strong written and verbal communication skills
• Ability to communicate complex financial concepts to diverse audiences
• Professional judgment and decision-making
• Collaboration and partnership-building
• Effective presentation and consultation skills
• Intellectual curiosity and continuous learning mindset
• Organization and time management abilities
• Active listening and interpersonal effectiveness

• Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
• Experience using credit analysis software, financial spreading tools, and loan origination systems.
• Ability to leverage technology and reporting tools to enhance analytical effectiveness and operational efficiency.

• Bachelor's…