Senior Credit Analyst

Job Description

Description:

Position Reports to: Credit Manager

Objective: The Senior Credit Analyst position performs analysis of new and existing commercial clients. This includes preparing written loan presentations, which includes analyzing financial statements, collateral positions, and personal guarantors. The position also provides analytical support for completing required monthly reporting, covenant calculations, spreading financial statements and overall ongoing credit risk assessment within the portfolio.

ESSENTIAL DUTIES & RESPONSIBILITIES

Credit Risk Analysis:

Completes analysis of commercial loans for origination and ongoing review that meets the requirements of Bank and regulatory standards.

Effectively transfers analyzed information to a written format where the decision maker can understand the risk of each loan.

Works collaboratively with Relationship Managers regarding loan structure and credit risk mitigation.

Values collateral positions accurately using 3rd party reports and data. Reviews 3rd party collateral valuation reports and identifies weaknesses in the proposed collateral.

Ensures relationships are always appropriately risk rated and recommends risk rating changes to the Loan Officer in a timely manner.

Fully knowledgeable of the Bank’s lending policies, procedures and can identify exceptions to policy.

Completes work in assigned time (meets deadlines). Amount of work meets or exceeds expectations.

Credit Administration:

Manages the Annual Review process to ensure quality review of all loan relationships per the Loan Policy.

Monitors and accurately calculates financial covenant defaults on all commercial borrowers. Reports defaults to appropriate personnel in a timely manner.

Orders and reviews 3rd party reports, such as appraisals, business valuations, collateral audits.

Assists with maintaining the integrity of the data within the Bank’s loan management system, nCino.

Secondary Responsibilities:

Creatively think about how to originate loans faster, smarter and more efficiently using technology.

Attend customer calls and represent the Bank in a positive manner.

Prepares monthly or quarterly reports as assigned.

Other Responsibilities:

Participates in client calls with Relationship Managers.

Stays abreast of regulatory guidance and changes.

Positive interaction with all lending staff and assists other departments when needed.

Comply with all department and company policies, procedures, and regulations.

Maintain the highest level of confidentiality with all information obtained.

Perform other responsibilities as assigned.Requirements:

Education and/or Experience

4 year college degree or 4+ years related banking experience and/or training; or equivalent combination of education and experience preferred.

Knowledge, Skills & Abilities:

Communicates all matters of importance to both internal and external constituents.

Provides knowledgeable, well-articulated responses to questions received in credit committee meetings.

Respects opinions of others.

Strong analytical skills that can be used to solve and resolve complex financial decisions.

Prioritize tasks and meet required deadlines.

Strong organizational skills needed with the ability to multitask.

Accuracy and efficiency with attention to details

Ability to work in a fast-paced environment & under pressure as needed.

Satisfactory skill set in the use of the following software applications: Microsoft Excel, Word, and Outlook.

Physical Demands:

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and depth perception.

Work Environment:

The working environment is typical for an office and does not require exposure to difficult or hazardous conditions.

This Position Description reflects management’s assignment of major responsibilities, which represent the most essential functions. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. They may be subject to change at any time due to reasonable accommodation or other reasons.

EEO/AA

Member FDIC

Full-time