Senior Credit Analyst

The Senior Credit Analyst is responsible for taking a lead role in underwriting the intermediate size commercial banking customers. He/she will provide independent and sound opinions on appropriate structures, terms, covenants, and risk ratings of a credit. The individual will take full responsibility for all written and verbal underwriting performed, including articulating their opinion of credits to Credit Committees.

Underwriting and Analysis

• Provides accurate financial analysis for intermediate sized client relationships by utilizing various software applications andother related systems (Paynet & credit reporting agencies)
• Qualifies and validates financial information utilized in the credit decision making process
• Collaborates with the Lending Officer to recommend loan structure that serves to minimize the credit risk to the Bank.
• Provides ongoing monitoring of financial covenants and works with the Lending Officer to formulate default waivers
• Ensures relationships are appropriately risk rated during the underwriting process and recommends risk rating changes to the Loan Officer in a timely manner.
• Participates in customer calls with the Lending Officer as requested and/or time permits
• Provides knowledgeable, wellarticulated responses to questions received in credit committee meetings.
• Provides prompt turn around on customer and credit action requests, while communicating the status of loans in process with the lending officer and/or Credit Analyst Manager
• Prioritizes workload with minimal supervision to serve the needs of the Lending Officer and Bank’s clients
• Reviews and articulates findings within third party collateral reports to the Lending Officer and/or Credit Analyst Manager
• Engages third party collateral evaluations
• Provides identification of policy exceptions and variances throughout the underwriting process articulating these exceptions within the written credit action
• Conducts customer file maintenance when necessary transferring financial related data and thirdparty collateral reports into the bank’s document imaging system
• Completes approved risk rating changes

Other

• Develop knowledge on SBA loan products along with policy and procedures.
• Attend general credit analysis training provided by Credit Analyst Manager as well as RMA or MBA classes.
• Comply with responsibilities as they relate to the Bank Secrecy Act (BSA), AntiMoney Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC). This includes participating in any required training and promptly complying with all reporting requirements
• Consult with customers as needed to verify financial and credit transactions
• Tracking of specified credits from a technical aspect
• This position may require travel to various Choice Bank offices and customer locations to complete various functions including but not limited to inspections
• Performs duties outside normal scope as assigned
• Completes special projects as assigned

Related Skills & Key Competencies

• Leads as a team player with excellent interpersonal skills
• Possesses excellent written and oral communication skills
• Promotes and administers change and accepts diversity
• Exhibits problemsolving, and decisionmaking skills and fosters open communication
• Proficient computer skills including Microsoft Office (Word, Excel, Web Equity)
• Must display consistent, detailed and strong organizational skills
• Use sounds judgment in prioritizing tasks to work under tight deadlines