Senior Credit Analyst

Basic Responsibilities

• Spread statements and conduct appropriate credit analysis of financial information on all commercial account relationships: perform comparative analysis on companies with similar financial data, ratios on liquidity position, profit margin, etc.
• May have experience in SBA lending programs and underwriting procedures (SOP)
• Proficient in writing clearly and concisely to generate accurate analysis and on commercial borrowers and prospective accounts in a form acceptable to senior management.
• Be proficient at and fully utilize the Loan Vantage application software to analyze and track the loan application through the appropriate steps.
• Receive preliminary information on borrower from Loan Officers; review loan relationship; ensure proper loan approval documentation
• Prepare and distribute reports as required
• Lead and participate in training sessions focused at improving credit skills, technology, techniques, and efficiency.
• Provide support and feedback to the lenders through analysis of loan transactions and offering insight, structuring suggestions, and risk identification and mitigation.
• Research external sources in effort to improve the quality and insight of transaction analyses.

Key Result Areas

• Ensure compliance with Bank's loan policy and regulatory requirements
• Provide high quality of service to the Bank's external and internal customers
• Ensure sound underwriting to accurately risk rate loans within the commercial portfolio.

Reports to
Vice President of Credit
Compliance

• knowledge of Bank policies and procedures, State and Federal laws and regulations
• responsible for compliance regulations related to this position and receiving appropriate training including but not limited to:

Annually

• Bank Secrecy Act (BSA)
• Office of Foreign Assets Control (OFAC)
• USA Patriot Act
• All other applicable compliance regulations are identified by subject matter experts and are listed in the master compliance training spreadsheet

Other Functions

• Work with the Loan Officers in preparing commercial credit underwriting approval documentation

• Ensure activities within assigned functional area of responsibility follow Bank policy, and State and Federal Regulations

• Work closely with Loan Officers to assist in monitoring the credit quality of assigned portfolio(s), and maintain appropriate risk rating, as well as review of financial covenants, and non-monetary events of default.
• Act as back-up support for other members of department as needed.
• Perform other duties as requested
• Serve as advocate for credit on behalf of the Loan Officers in fielding questions that may be surfaced by Credit Administration as part of their underwriting process.
• ability to identify task requirements and monitor progress toward accomplishment

• Prepare monthly and/or special reports as requested or assigned by the credit Manager
• Assist credit manager & loan officers where necessary in the underwriting and maintenance of commercial account relationships with the bank

*The above is a description of the ordinary duties of the position. It should be expected that from time to time other duties, both related and unrelated to the above, may be assigned and, therefore, required.
Education and Experience

• Bachelor's degree in Business Administration or equivalent and seven or more years of experience in a Commercial Credit/Lending department.

Equipment and Software
Proficient computer skills; including but not limited to proficiency in Microsoft Office (Word, Excel, Power Point, etc.).
Other Qualifications

• Knowledge of lending practices, Bank policies and procedures
• Ability to compute rate, ratio, discount, interest, profit and loss, commission, percentages, and apply basic arithmetic and mathematics to help resolve problem solving situations
• Ability to perform a variety of duties, often changing from one task to another of a different nature without loss of efficiency or composure
• Ability to exchange information with others clearly and concisely, to present ideas, facts, and technical information
• Ability to identify task requirements, prioritize and monitor progress toward accomplishment
• Ability to maintain relationships that facilitate task accomplishment; to cooperate and resolve conflicts; to recognize needs and be sensitive to others
• Ability to systematically identify and mitigate risk, evaluate alternatives, and implement cost effective solutions
• Ability to receive guidance and supervision; follow work rules, work procedures; meet deadlines, punctuality and attendance standards, etc.
• Ability to periodically report progress and status and keep systems updated with accurate and timely data.

Consider this description the foundation of your job, not its boundaries. Expect to participate in training sessions and activities not described here which enhance the quality of service to the customer.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)