Sr. Credit Analyst

Job Summary

Senior Credit Analyst. The primary responsibility of this position is to help maintain 22nd State Bank’s credit quality by preparing detailed credit analyses based on the review of financial data for new loans, loan extensions, loan modifications, and loan renewals. Critical features of this job are described under the headings below and may be subject to change at any time due to reasonable accommodations or other reasons.

• Embrace and adhere to the 22nd State Bank Essential Pieces of the Bank’s core values and company culture
• Provide exceptional customer service to both internal and external customers
• Review incoming requests and obtain loan request information from lenders necessary to analyze credit information, financial statements, and other information pertaining to the loan
• Attend joint calls with lenders with potential and existing customers to help with obtaining information needed for the proper evaluation of a loan request
• Assess trends in financial performance using key ratios and balance sheet analysis to determine ability to repay as well as strength of the borrower and their ability to execute on future plans, grow, and compete in their market
• Analyze requests based on the five Cs of credit
• Calculate cash flow and/or ability to repay the credit
• Assign accurate risk ratings in accordance with Policy
• Assess value, strength, and collectability of collateral including conversion cycle review as necessary
• Analyze personal financial statements and ability to repay as well as the character of the borrower and guarantors
• Review industry and market for trends and risks
• Identify and mitigate risks on individual loan credits, total borrower relationships, and the loan portfolio
• Analyze projections and proforma balance sheets, preparing sensitivity and breakeven analysis and comparing financials to outside data and information.
• Accurately assess the risk and identify mitigating factors on a relationship or transaction
• Complete and present accurate and supported credit memos
• Recommend approval or denial of credits with well thought out and articulated reasons supporting recommendation
• Provide consultative solutions and suggestions for loan officers and/or clients and customers that help their business operation while balancing the customer’s needs with the Bank’s risk appetite.
• Conduct annual or periodic reviews and/or borrowing base reviews as needed
• Attend CLR meetings and Post Mortem meetings
• Understand all compliance and regulatory requirements for banking and lending
• Assist with compliance, audit, and exam requests as needed
• Coordinate with business units the role supports (GGL, Specialty Finance, Conventional)
• Approve credits and limits within approval authority
• Participate as needed in the training of new Credit Analysts
• Assist with Post Mortem reviews of problem credits
• Underwrite and recommend solutions for problem loan credits in conjunction with the Special Assets department
• Prepare and present as needed Credit Training topics

None

• Analytical
  - Collects and researches data.
• Problem Solving
  - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions.
• Oral Communication – Asks questions, and listens, to get clarification.
• Written Communication
  - Writes clearly and informatively.
• Teamwork
  - Balances team and individual responsibilities.
• Attendance/Punctuality
  - Is consistently at work and on time; ensures work responsibilities are covered when absent.

• Bachelor’s degree required;
  Business Administration, Accounting, or Finance preferred
• Five to seven years’ experience as a Commercial Bank Credit Analyst
• Basic knowledge of financial statements and financial analysis
• Strong proficiency in Microsoft Office and general computer use

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Ability to calculate figures and…