Position Summary:
Are you a seasoned financial professional with a passion for analysis and client success? As a Senior Commercial Credit Analyst, you will play a crucial role in underwriting requests for credit extensions to both new and existing commercial clients. Your expertise in performing detailed financial analysis will directly support our lenders in making well-informed lending decisions. Primary Responsibilities: Conduct thorough analyses of financial statements and agency reports for prospective and existing borrowing accounts, creating comprehensive written reports that evaluate both short- and long-term financial health. Provide insightful recommendations to Loan Officers regarding loan approvals or denials, supported by robust documentation of your assessments. Identify and interpret trends in financial data, utilizing key financial ratios such as cash flow to debt service and debt-to-equity to guide your evaluations. Create thorough documentation of all financial analyses through spreadsheets and detailed credit offering memorandums. Propose appropriate loan grades based on extensive credit analysis and documentation reviews. Coordinate work tasks within the department to ensure seamless and efficient information flow. Complete assigned reporting in a timely manner. Conduct annual reviews of loan relationships to ensure ongoing compliance and alignment with the Bank's credit policies. Must possess 5+ years of experience as a Credit Analyst in a banking environment. If you are ready to take your career to the next level and make a significant impact within our team, we encourage you to apply for this exciting opportunity.
Are you a seasoned financial professional with a passion for analysis and client success? As a Senior Commercial Credit Analyst, you will play a crucial role in underwriting requests for credit extensions to both new and existing commercial clients. Your expertise in performing detailed financial analysis will directly support our lenders in making well-informed lending decisions. Primary Responsibilities: Conduct thorough analyses of financial statements and agency reports for prospective and existing borrowing accounts, creating comprehensive written reports that evaluate both short- and long-term financial health. Provide insightful recommendations to Loan Officers regarding loan approvals or denials, supported by robust documentation of your assessments. Identify and interpret trends in financial data, utilizing key financial ratios such as cash flow to debt service and debt-to-equity to guide your evaluations. Create thorough documentation of all financial analyses through spreadsheets and detailed credit offering memorandums. Propose appropriate loan grades based on extensive credit analysis and documentation reviews. Coordinate work tasks within the department to ensure seamless and efficient information flow. Complete assigned reporting in a timely manner. Conduct annual reviews of loan relationships to ensure ongoing compliance and alignment with the Bank's credit policies. Must possess 5+ years of experience as a Credit Analyst in a banking environment. If you are ready to take your career to the next level and make a significant impact within our team, we encourage you to apply for this exciting opportunity.