Senior Credit Analyst

Summary

Responsible for analyzing for new borrowers and complex credits. Analyzes commercial loan requests to determine credit risk involved in extending credit. Reviews Loan Policy when creating loan write-up to define current and future credit performance. Assists loan officers in determining the proper credit structure and terms for potential/current borrower(s) to meet ROE thresholds of the Bank. Identifies loans that meet the standards as defined by the Bank and/or governmental programs.

Ensures loan is in within the Bank's legal lending limit, and adhere to Bank policy and regulatory guidelines. Oversees the Bank's commercial appraisal and mortgage (secondary market) QC Program.

Education:

Bachelor's Degree in business, finance, accounting or other related field.

Licenses/Certifications:

None.

Experience:

Five years of commercial, consumer and/or mortgage analysis experience. Or equivalent combination of education and experience.

A:
Job Specific:

• Analyzes loan packet for new borrowers and complex credits to determine risk and prepare an objective written credit analysis. Reviews financial statements, debt service, cash flow, balance sheets, tax returns, collateral, covenants, A/P & A/R aging, credit reports, payment history, industry trends, economic conditions and appraisal information to determine credit worthiness. Investigates variances in customer data. Assigns loan grade upon completion of analysis.
• Demonstrates expertise in proper loan structuring; legal and documentation issues; industry considerations that affect specific borrower types; credit policy and procedures and their impact on the transaction; and underwriting requirements specific to the Loan Policy.
• Gathers information from Dun & Bradstreet and credit bureau reports to assess the borrower's credit standing, and independently researches and gathers industry data from multiple sources as applicable to understand the nature of the credit.
• Stress tests financial covenants and projections.
• Accompanies account officers on customer calls, particularly on larger or more complex credit requests to offer analytical support.
• Upon completion of analysis, presents potential problematic issues to management to determine if credit is worth pursuing or identify other information needed to determine credit worthiness. Works with lenders to collect missing data for a thorough, objective analysis to be completed.
• Reviews pricing sheet to determine the revenue generated by each loan. Reviews proposed loan pricing to ensure the Bank's profitability threshold is met.
• Reviews appraisals prior to loan closing on commercial loans in excess of $250K to identify and resolve any discrepancies that may impact loan to value ratios and impact the Bank's risk.
• Prepares loan presentations for committee review. Analyzes financial information to determine credit worthiness.
• Utilizes available bank software to analyze business financials. Trains other users as needed.
• Provides advice and guidance to other Commercial Credit Analysts.
• Maintains data base for portfolio risk management. Records loan factors such as cash flow, grades, collateral, etc. Reports trends to executive management.
• Maintains OREO activity records.
• Manages the Junior and Analyst I's, working with the Human Resources department to identify employee training needs and performance issues.

• The ability to communicate effectively and clearly, both in verbal and written communications, as well as, present information to groups of managers, employees, customers.
• Excellent interpersonal skills.
• Strong knowledge of the business area(s) that are being supported.
• The ability to manage multiple tasks.
• Excellent problem-solving skills.
• Technical writing, to include reports, and procedures.
• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Ability to compute rate, ratio, and percent and to draw and interpret graphs.
• Ability to define problems, collect data, establish facts and draw valid conclusions. Ability to solve problems and deal with a variety of concrete variables in situations where only limed standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• The ability to read, analyze and interpret financial statements, government regulations, professional journals, etc.

Sutton Bank is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity, disability, pregnancy or protected veteran status.