Senior Credit Analyst

Overview

This role manages and analyzes credit risk for a portfolio of corporate obligors across industries and credit grades. Responsibilities include conducting fundamental financial statement analysis, assigning credit ratings, and recommending underwriting strategies to senior credit management through a credit committee process.

Responsibilities

• Manage a credit portfolio of diverse companies, including public and private entities, investment grade and non-investment grade credits, and middle market to large corporate obligors.
• Perform comprehensive financial statement analysis to assign a company credit rating and recommend underwriting strategy.
• Review relevant credit and financial information, including:
  • Financial statements
  • Tax returns
  • Due diligence reports
  • Credit bureau data
  • Appraisals
  • Internal credit information
  • Industry research
  • Peer data
• Prepare and present complex credit recommendations on large exposures and strategically important credits to senior credit management and other stakeholders in a credit committee setting.
• Develop and maintain relationships with treasury and finance teams to obtain financial data, review financial performance, and discuss business forecasts.
• Author industry sector outlooks to determine underlying market trends.

Requirements

• Bachelor’s degree in Business Administration or Finance; MBA preferred
• 5–7 years’ experience in banking, insurance or other financial institutions

Preferred Qualifications

• Prior fundamental credit training, including financial statement analysis
• Experience evaluating corporate financial statements of both public and private companies
• Experience using ratings platforms for company research, financial data, and credit analysis
• Experience producing qualitative and quantitative written analysis
• Excellent analytical and critical thinking skills
• Strong verbal and written communication skills, with the ability to explain complex financial information
• Proficiency in Microsoft Excel for data analysis and reporting
• Familiarity with Generative AI tools for research, data insights, and general productivity

Compensation & Benefits

Total Compensation Range: $90,000–$115,000

Placement within the range is based on the individual’s relevant experience, skills for the role, and location. Salary ranges are only one component of the total compensation package.

Benefits include:

• Competitive compensation
• Annual bonus eligibility and/or commission structure opportunities
• 401(k) discretionary match of up to 6%
• Flexible work schedules
• Health and wellness benefits
• Paid time off for vacation, illness, Birthday Day Off and Volunteer Day Off
• Tuition Reimbursement
• Family care resources, including fertility and adoption benefits

Location

North America