Senior Credit Analyst

JOB SUMMARY

This position works in partnership with the Business Banking team and product partners to analyze, structure, risk rate, perform due diligence, document, and underwrite cash flow for credit exposures resulting from loans and other commercial banking products. The Senior Credit Analyst is also responsible for the on-going monitoring and risk management of an assigned portfolio. This role is required to develop a broad and deep understanding of the business, financial, and competitive risks faced by customers.

• Analyzes applicant's business plan, financial status, loan repayment ability, net worth and earnings history for new, renewal and existing loans, identifies the risks of a credit, underwriting policy exceptions and assigns appropriate loan quality grades with approval of credit administration manager.
• Evaluates complex credits which include borrowers with multiple related entities, unique structures and large lending limits.
• Identifies the key risk factors and mitigants related to a specific transaction, as well as his/her assigned portfolio.
• Develops a well-informed and balanced view of the business, financial, and competitive risks faced by a company, sector, and industry.
• Interprets financial information, bank policies and prepares reports for the Business Bankers, Risk Management and other areas of the bank as needed and when required.
• Works independently with minimal assistance and provides support to the Credit Administration Manager, as needed.
• Mentors Credit Analysts and Credit Administrators in interpreting financial information, loan underwriting, risk assessment and training/development.
• Assists with the management of the credit underwriting platform including annual reviews, covenant testing, reporting, document management and financial tracking.
• Reviews appraisals and other third-party reports to assess collateral values and identify potential risks in a particular transaction.
• Maintains the commercial financial credit files with emphasis on the timely and accurate filing of financial data and due diligence items.
• Provides technical advice and assistance to Business Bankers, Chief Business Banking Officer, Loan Review personnel and other key positions, as assigned and needed.
• Participates in customer due diligence calls as necessary, attends client / bank meetings to develop a better understanding of the company, collateral and to assess management.
• Performs tasks and other duties as assigned, which are supportive in nature to the essential functions of the job but which may be altered or re-designed depending upon individual circumstances.

• Bachelor's degree in related field (accounting/finance/economics) or equivalent work experience.
• Minimum of 3 - 5 years of Commercial Real Estate and Commercial & Industrial credit/lending experience.
• Completion of a major corporate bank credit training program preferred.
• Broad exposure to credit practices, including credit structuring.
• Strong written, verbal, organizational, analytical and interpersonal skills necessary.
• Familiarity with financial institution's business banking procedures.
• Must have computer software proficiency, particularly in Microsoft Office.
• Proficiency in a credit underwriting platform.
• Must be able to read, interpret and analyze credit information.
• Requires strong project management skills with the ability to prioritize and successfully handle multiple projects simultaneously.

Peoples is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

Equal Housing Lender/ Member FDIC