Sr. Credit Analyst

 

To analyze and underwrite credit requests for Bank prospects and customers and to maintain and monitor loans within the portfolio in conjunction with the lenders. 

 

 

•    Analyze and underwrite complex credit requests in a timely fashion by using some or all of the following resources: applications, spreads, financial statements, tax returns, credit bureaus, meetings with customers/prospects, appraisals, web research and other resources as necessary.

•    Determines if request is in compliance with Bank policy and note any exceptions.

•    Discuss deal structure, cash flow, collateral, and customer character with Commercial Bankers.

•    Accompanies Commercial Bankers on customer calls and interact with customers in person and over the phone as directed by lender.

•    Interact with financial professionals including CPA’s, CFO’s, etc. as needed to assist in the underwriting of credit memos.

•    Present written analysis and observes presentations by lenders.

•    Conducts market surveys through contact with brokers, online research, etc.

•    Manages credit administration of existing portfolios by preparing annual reviews. 

•    May require tracking database with updated information as needed.

•    Identify potential problem loans and deficiencies and makes credit worthy recommendations. 

•    Assist customers when needed with questions regarding loans and retail products.

•    May oversee workflow or mentor junior analysts.

•     Performs other related duties as required or directed.

 

 

•      Bachelor’s degree.

•      3- 5 years of commercial credit experience.

•      Excellent written and oral communication skills.

•      Extensive knowledge of Microsoft Office applications.

•      Needs to become familiar with the Bank’s credit policy, underwriting standards and compliance 

       requirements.