Senior Commercial Credit Analyst
Home Bank SB, Martinsville, IN, United States
SUMMARY
The Senior Commercial Credit Analyst is responsible for credit underwriting, portfolio management, and risk analysis across the bank's commercial loan portfolio. This position provides subject‑matter expertise in credit policy, supports complex commercial lending opportunities, and contributes to strategic portfolio quality and growth. The Senior Commercial Credit Analyst leads the completion of high‑quality credit analyses and serves as a key resource to lenders and junior analysts. Responsibilities include ensuring that all credit decisions and processes adhere to regulatory requirements and policies established by the Board of Directors.
ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Conducting credit analyses and underwriting of new and existing credit transactions
Ensure credit structures appropriately balance risk, collateral, and pricing while meeting bank policy and regulatory standards.
Oversee portfolio monitoring activities, ensuring timely financial reporting, covenant tracking, and identification of emerging risks.
Lead the annual review process for assigned segments of the commercial portfolio, ensuring accuracy and completeness.
Provide recommendations for risk rating changes, corrective actions, or workout strategies when needed.
Support credit administration by maintaining accurate and comprehensive credit files and documentation.
Ensure adherence to all internal policies, loan documentation standards, and regulatory requirements.
Provide expertise on commercial loan documentation, collateral requirements, and lien perfection.
Maintain independence and objectivity in all credit evaluations and recommendations.
Support loan audits and regulatory examinations by providing accurate, well‑supported credit information.
COMPETENCIES Communicating
Communicates in a straightforward and assertive fashion
Updates relevant people with timely information
Listens carefully to what others are saying
Respects and considers all opinions, even counter‑opinions
Demonstrating Integrity
Assumes responsibility for mistakes and failures
Demonstrates consistency between what is said and what is done
Behaves according to sound ethical and legal standards
Working with Others
Is respectful of others
Balances individual goals with team goals
Builds and maintains productive relationships with people throughout the organization
Lending with Prudence
Learns about each customer's unique financial situation
Learns about each customer's credit and ability to repay their loans
Follows the bank's lending policies and procedures
Ensures that the bank makes prudent lending decisions
Ensures compliance with all relevant laws and regulations
Representing the Bank
Answers customer questions and fully addresses their concerns
Manages difficult customer situations and treats others with respect
Maintains a neat and professional appearance
Maintains an overall knowledge of the bank's products and services
Cross‑sells the bank's products and services to its customers and prospects
Adapting to Change
Maintains composure in frustrating situations
Demonstrates flexibility in working with others
Professional Excellence
Demonstrates a consistently high level of professional judgement
Maintains independence and objectivity in carrying out job responsibilities
Effectively presents loans and their rationale to the appropriate committees
SUPERVISORY RESPONSIBILITIES This position requires supervisory responsibilities.
POSITION TYPE This is a full‑time position. Days and hours of work are Monday through Friday, 8:30am to 5pm. This position may require long hours and weekend work.
TRAVEL Travel is primarily local and during the business day.
REQUIRED EDUCATION AND EXPERIENCE
Bachelor's degree in finance, accounting, business, or related field preferred.
Minimum 3–5 years of commercial credit, underwriting, or related banking experience preferred.
Strong financial analysis, accounting, and risk assessment skills.
Ability to manage multiple complex assignments with accuracy and attention to detail.
Excellent communication skills and ability to collaborate effectively with lenders and leadership.
Strong computer proficiency in financial analysis tools, credit systems, and Microsoft Office applications.
OTHER DUTIES Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
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ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Conducting credit analyses and underwriting of new and existing credit transactions
Ensure credit structures appropriately balance risk, collateral, and pricing while meeting bank policy and regulatory standards.
Oversee portfolio monitoring activities, ensuring timely financial reporting, covenant tracking, and identification of emerging risks.
Lead the annual review process for assigned segments of the commercial portfolio, ensuring accuracy and completeness.
Provide recommendations for risk rating changes, corrective actions, or workout strategies when needed.
Support credit administration by maintaining accurate and comprehensive credit files and documentation.
Ensure adherence to all internal policies, loan documentation standards, and regulatory requirements.
Provide expertise on commercial loan documentation, collateral requirements, and lien perfection.
Maintain independence and objectivity in all credit evaluations and recommendations.
Support loan audits and regulatory examinations by providing accurate, well‑supported credit information.
COMPETENCIES Communicating
Communicates in a straightforward and assertive fashion
Updates relevant people with timely information
Listens carefully to what others are saying
Respects and considers all opinions, even counter‑opinions
Demonstrating Integrity
Assumes responsibility for mistakes and failures
Demonstrates consistency between what is said and what is done
Behaves according to sound ethical and legal standards
Working with Others
Is respectful of others
Balances individual goals with team goals
Builds and maintains productive relationships with people throughout the organization
Lending with Prudence
Learns about each customer's unique financial situation
Learns about each customer's credit and ability to repay their loans
Follows the bank's lending policies and procedures
Ensures that the bank makes prudent lending decisions
Ensures compliance with all relevant laws and regulations
Representing the Bank
Answers customer questions and fully addresses their concerns
Manages difficult customer situations and treats others with respect
Maintains a neat and professional appearance
Maintains an overall knowledge of the bank's products and services
Cross‑sells the bank's products and services to its customers and prospects
Adapting to Change
Maintains composure in frustrating situations
Demonstrates flexibility in working with others
Professional Excellence
Demonstrates a consistently high level of professional judgement
Maintains independence and objectivity in carrying out job responsibilities
Effectively presents loans and their rationale to the appropriate committees
SUPERVISORY RESPONSIBILITIES This position requires supervisory responsibilities.
POSITION TYPE This is a full‑time position. Days and hours of work are Monday through Friday, 8:30am to 5pm. This position may require long hours and weekend work.
TRAVEL Travel is primarily local and during the business day.
REQUIRED EDUCATION AND EXPERIENCE
Bachelor's degree in finance, accounting, business, or related field preferred.
Minimum 3–5 years of commercial credit, underwriting, or related banking experience preferred.
Strong financial analysis, accounting, and risk assessment skills.
Ability to manage multiple complex assignments with accuracy and attention to detail.
Excellent communication skills and ability to collaborate effectively with lenders and leadership.
Strong computer proficiency in financial analysis tools, credit systems, and Microsoft Office applications.
OTHER DUTIES Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
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