Senior Credit Analyst

If you believe a balance sheet is more than a collection of numbers, and that great credit decisions require curiosity, experience, judgment, and a healthy dose of skepticism, this could be your kind of seat.

We’re looking for a sharp, analytical, and highly experienced Senior Credit Analyst to join a team where thoughtful credit work directly influences important business decisions. This is not a role for someone who simply checks boxes and moves numbers from one spreadsheet to another. We’re looking for someone who understands the story behind the numbers, knows how to identify emerging risk, and can confidently translate complex financial information into clear credit recommendations.

As a Senior Credit Analyst, you’ll serve as a trusted credit resource for lenders, relationship managers, credit officers, and leadership. You’ll analyze new and existing commercial relationships, evaluate complex financial information, assess repayment capacity, identify risk, and help structure sound credit solutions.

You’ll bring both analytical horsepower and practical judgment to the table. In other words, you’ll know when the numbers tell the whole story, when they absolutely do not, and what questions need to be asked before a credit decision is made.

Perform detailed financial analysis and underwriting for complex commercial credit relationships.

Analyze financial statements, tax returns, projections, borrowing base information, cash-flow statements, and other financial data.

Evaluate borrower performance, liquidity, leverage, profitability, working capital, cash flow, and debt service capacity.

Prepare comprehensive credit analyses, underwriting packages, approval memos, annual reviews, renewals, and presentations.

Review credit requests and independently identify strengths, weaknesses, trends, risks, mitigants, and opportunities.

Partner with lenders and relationship managers on credit structure, pricing, terms, covenants, collateral, and overall transaction strategy.

Analyze collateral values, guarantor support, industry conditions, management strength, and other qualitative and quantitative risk factors.

Monitor existing portfolios and proactively identify changes that could impact borrower performance or credit quality.

Conduct research on industries, markets, businesses, and economic conditions to provide meaningful context around financial performance.

Review complex transactions and provide thoughtful recommendations to credit leadership and decision-makers.

Assist with portfolio management, risk-rating assessments, covenant monitoring, and problem-credit identification.

Ensure credit decisions and recommendations are thoroughly supported, accurately documented, and consistent with established policies and risk standards.

Serve as a knowledgeable resource to less-experienced analysts and help promote strong credit analysis practices across the team.

Communicate credit findings, recommendations, and concerns clearly to lenders, senior credit officers, and executive leadership.

Ask the questions others may overlook and investigate the answers before they become larger problems.

Balance relationship objectives with disciplined risk management and sound banking judgment.

Several years of progressive commercial credit analysis, underwriting, or portfolio management experience.

Strong understanding of commercial lending, credit risk, financial analysis, and underwriting principles.

Advanced ability to analyze financial statements, cash flow, tax returns, projections, and complex business structures.

Strong understanding of leverage, liquidity, profitability, debt service coverage, working…