Senior Credit Analyst

Responsible for either determining credit worthiness and appropriate lines of credit or for leading a team of Junior credit analysts in evaluating and approving/rejecting loan applications based on established criteria. Handles large and/or complex accounts.

• Chair weekly credit meetings, credit analysis and structuring, loan structuring, projections and sensitivity analysis, credit approval documentation
• Review commitment letters, loan documentation, past dues (particularly maturing and renewing credits), review covenant compliance, loan downgrades
• Watch list management according to bank guidelines, keeping management fully informed of any material consideration affecting the loan portfolio, board presentations, ensure that credits adhere to credit policy guidelines.
• Mentoring and leadership of RM's, analyst, and client specialists as it relates to lending, underwriting, and negotiation, etc.
• Receive credit requests and make approve/decline decisions within established policy, guidelines, and turnaround times.
• Underwrite real estate related credit requests.
• Document decisions properly and completely with particular diligence given to explanations of overrides or variances, to include a narrative to explain credit decisions.
• Provide a high level of customer service to the originators of loan requests to include the communication of credit decisions and answering questions.
• Works with the loan administration and client specialists to manage delinquencies on loans;
• Reports troublesome loans to the senior credit officer and commercial line manager on a timely basis.
• Ensures that the systems of record are accurate for the loans being administered; ensures that management information is reported timely and accurately.
• Obtains satisfactory loan reviews and ensures that regular audits are performed.

• College degree in related field
• At least 8 years of relevant experience and/or training preferred.