AVP/Senior Commercial Credit Analyst

Overview

This position supports the underwriting and risk assessment of new and existing commercial credit relationships by analyzing financial information, evaluating credit risk and preparing comprehensive credit memoranda in accordance with established Bank policies and procedures. The Senior Commercial Credit Analyst works with lenders and other internal partners to identify credit risks, evaluate repayment capacity and provide analysis and recommendations to support credit decisions.

Responsibilities

Prepare comprehensive credit memoranda for new and existing commercial credit relationships, including analysis of financial condition, repayment capacity, credit risk and other relevant factors.

Analyze borrower and guarantor financial statements, tax returns, cash flow and other financial information and calculate relevant financial ratios to evaluate creditworthiness and repayment capacity.

Obtain and review applicable credit, collateral and other due diligence information necessary to support the underwriting process.

Identify credit weaknesses, policy exceptions and other areas of concern and escalate non-standard matters as appropriate.

Review financial information for existing commercial credit relationships and support ongoing assessment of borrower performance and credit risk.

Complete credit analysis and prepare recommendations for submission to the appropriate approval authority.

Collaborate with lenders to obtain information, address credit-related questions and communicate the status of credit analysis and underwriting requirements.

Maintain accurate and complete credit analysis documentation and prepare assigned credit-related reports.

Monitor financial performance and risk indicators for assigned commercial credit relationships and identify changes or trends requiring additional review or escalation.

Qualifications

High school diploma or equivalent required; bachelor’s degree in finance, business or a related field preferred.

Minimum 4 years of commercial credit analysis or commercial loan underwriting experience required.

Experience with construction loan underwriting and not-for-profit lending preferred.

Strong knowledge of commercial credit analysis, financial statement analysis and cash flow analysis.

Proficiency in Microsoft Office Suite required.

Strong analytical, problem-solving and decision-making skills.

Strong attention to detail.

Excellent written and verbal communication skills.

WORKING CONDITIONS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform essential functions.

Perform routine office activities including typing, reading, computer work, filing, copying and telephone use. The position may require standing, stooping, kneeling, crouching and lifting.

The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization.

COMPENSATION: $90,000 to $130,000 annually