Senior Credit Analyst

Overview

This position involves analyzing complex commercial and commercial real estate loan requests to support sound credit decisions. The role requires advanced analytical skills, strong problem-solving ability, and collaboration with a credit team.

Responsibilities

• Initiate preliminary financial statement, cash flow, and collateral analyses on all loan requests to determine if they are viable.
• Recommend appropriate loan structure, financial reporting requirements, and financial covenants on viable loan requests.
• Complete comprehensive financial statement, cash flow, and collateral analyses and prepare written credit memos to facilitate sound credit decisions.
• Perform periodic credit reviews on aggregate relationships as required by commercial loan policy.
• Train, develop, and mentor credit team members.
• Participate in onsite visits with commercial lenders to businesses and real estate projects as necessary.
• Support loan document preparation, loan funding, loan booking, loan servicing, loan administration, and other operational needs.
• Comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, as well as all organizational policies.

Requirements

Experience

• 5 or more years of direct experience in commercial credit analysis.

Education/Certifications/Licenses

• Bachelor’s degree in accounting, finance, actuarial science, or other related discipline.

Skills and Knowledge

• Outstanding written and verbal communication skills.
• Excellent technical, analytical, problem-solving, and teamworking skills.
• Advanced user of Microsoft Excel and commercial lending software applications.

Preferred Qualifications

• None listed.

Compensation & Benefits

• Competitive salary
• Paid illness, vacation, and holidays
• Medical/dental/vision/life insurance
• Generous 401(k) retirement plan with company matches
• Tuition reimbursement
• Weekly pay

Location & Schedule

• Directors Row location, Fort Wayne, IN
• Full-time, 40 hrs/wk
• Schedule: Mon-Fri: 8:00am-5:00pm
• Remote work is available with adherence to a remote work agreement.

Physical Requirements

• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
• Capable of climbing/descending stairs in an emergency situation.
• Able to operate routine office equipment including telephone, copier, facsimile, and calculator.
• Able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
• Able to work extended hours whenever required or requested by management.
• Capable of regular, reliable, and timely attendance.

Working Conditions

• Perform work indoors in a climate-controlled shared work area with minimal noise.
• This position has the ability to do work remotely; must follow the remote work agreement.

Mental/Emotional Requirements

• Able to perform job functions independently or with limited supervision and work effectively either independently or as part of a team.
• Able to read and carry out written instructions and follow oral instructions.
• Able to speak clearly and deliver information in a logical and understandable sequence.
• Able to deal calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization.
• Demonstrate highest levels of customer service and discretion when dealing with the public.
• Able to perform responsibilities with composure under stress of deadlines/requirements for extreme accuracy and quality and/or fast pace.
• Able to effectively handle multiple, simultaneous, and changing priorities.
• Capable of exercising the highest level of discretion on both internal and external confidential matters.