Senior Credit Analyst​/Underwriter

GENERAL DESCRIPTION OF POSITION

The Sr. Credit Analyst/Underwriter performs financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals. This position performs analysis on the largest and most complex loans or relationships with a Region or Industry. The Sr Credit Analyst/Underwriter engages with Analyst I or II, as appropriate, to assist in the analysis of the credits or relationships and as directed by their manager.

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 7 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.

Ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

Not indicated.

Not indicated.

• Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing
• Intermediate:
  Alphanumeric Data Entry
• Basic:
  Human Resources Systems, Presentation/Power Point

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.

Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied.

Supervises the following departments:
Credit Analysts and Underwriters

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

The following work environment characteristics…