Senior Credit Analyst

Responsibilities: Analyze complex commercial, commercial real estate, and consumer credit requests. Perform detailed financial, cash flow, collateral, and credit analysis for new loans, renewals, and portfolio reviews. Prepare and present comprehensive credit memoranda and recommendations. Evaluate borrower financial statements, tax returns, projections, industry trends, and repayment capacity. Review appraisals and assess collateral adequacy. Recommend loan structures, terms, covenants, and conditions consistent with credit policy. Monitor covenant compliance and identify potential credit risks. Conduct financial research on existing and prospective commercial clients and ACH customers. Assist with portfolio stress testing and other credit risk initiatives. Provide coaching and mentorship to Credit Specialists and Credit Analysts.

Qualifications: Bachelor's degree in Accounting, Finance, or a related field.5+ years of commercial and commercial real estate underwriting experience. Formal credit training required. Strong understanding of commercial credit analysis, financial statements, cash flow, and credit risk. Knowledge of applicable banking laws and regulations. Strong analytical, communication, and organizational skills. Proficiency with Microsoft Word and Excel. Experience analyzing complex credits and providing guidance to lending partners.