Senior Credit Analyst

Job Description:

• Investigate credit and financial information for prospective and existing clients
• Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans
• Independently evaluate complex credit relationships and develop recommendations with minimal guidance
• Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers
• Partner with lending teams to support effective credit risk assessment and portfolio management
• Support the Team Leader role and serve as a backup when needed
• Train, mentor, and support the development of new team members
• Maintain compliance with company policies, procedures, security requirements, and applicable government regulations

Requirements:

• Bachelor's Degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required)
• An equivalent combination of education and experience can be considered in lieu of a degree
• 4 or more years of experience as a Credit Analyst (Required)
• Strong expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance
• Deep knowledge of credit investigations, collateral requirements, and commercial lending concepts
• Exceptional analytical and critical thinking skills with a strong understanding of accounting principles
• Ability to manage a high volume of work while maintaining accuracy in a fast-paced, deadline-driven environment
• Ability to adapt effectively to changing priorities and interruptions while delivering quality results
• Clear and professional verbal and written communication
• Knowledge of federal and state laws and regulations related to commercial lending
• Proficiency with Excel, Word, and other business and lending systems
• Ability to collaborate with others and share knowledge through coaching and mentoring

Benefits:

• Annual incentive potential
• Comprehensive employee benefits, including medical, dental, vision, LTD, STD and life
• Paid vacation time
• Paid sick time
• 11 company paid holidays
• 401k with up to 4% match
• Tuition reimbursement