Sr Credit Analyst

Overview

This role involves performing underwriting and credit analysis to support lending and loan portfolio quality management activities. The position includes developing skills to provide advanced credit risk identification and mitigation support to the Credit Department, as well as providing administrative support by maintaining key reporting systems. This is a remote position available to candidates residing in West Virginia, Virginia, Texas, Florida, Ohio, Pennsylvania, Maryland, Washington D.C., New York, New Jersey, Arizona, North Carolina, Georgia, or South Dakota.

Responsibilities

Loan Production and Credit Analysis

• Prepare complex business and personal financial spreads for underwriting tasks independently.
• Prepare complex risk grading documents and exercise subjectivity where appropriate.
• Review complex third-party reports to identify credit risk relevant to loan requests.
• Prepare comprehensive credit analysis and complex loan request presentations.
• Develop specialization in specific industries and/or loan types to provide expertise to credit and lending departments.
• Assess and make recommendations regarding borrower risk profiles.

Loan Portfolio Quality Management

• Perform underwriting and risk analysis for complex commercial loan renewals and modifications.
• Perform and review complex loan covenant testing calculations.
• Prepare service requests to support portfolio management objectives.
• Prepare complex commercial loan renewal/modification and Annual Review presentations.
• Assess and recommend borrower risk profiles.

Underwriting Administration

• Maintain financial statement tickler, covenant tickler, and annual review tickler systems to ensure accurate reporting for Portfolio Managers.
• Maintain an accurate and organized financial statement imaging system.

Professional Development and Special Projects

• Complete assigned education to gain expertise in loan underwriting, loan structuring, and professional development.
• Assist with training and development of junior analysts.
• Participate in special teams and projects as requested.

Requirements

• Bachelor’s degree in accounting, finance, economics, or related field, or equivalent work experience.
• Minimum 5-7 years of experience in commercial credit analysis and underwriting.
• Preferred: 7+ years underwriting large, complex commercial real estate (CRE) loans, commercial & industrial (C&I) loans, acquisition, development & construction (AD&C) loans, and asset-based lending credits.
• Experience underwriting borrowers in various industries including financial technology, payments processing, renewable energies, and/or litigation finance is a significant plus.
• Proficiency in credit administration, policy, and procedures.
• Strong knowledge of economics, accounting, and finance.
• Skilled in risk analysis and mitigation.
• Proficient in technical report writing.
• Excellent verbal and written communication skills.

Compensation & Benefits

• Medical, Dental, and Vision Insurance
• Health Savings Account (HSA), Health Reimbursement Account (HRA), and Flexible Spending Accounts (FSA)
• Short- and Long-Term Disability Plan
• Group Life Insurance
• 401K Salary Deferral Plan
• Wellness Program
• Education and Tuition Expense Reimbursement
• Paid Time Off (PTO) and Unique Vacation Purchase Program
• Nationwide Pet Insurance Coverage

Location

Remote position available to candidates residing in West Virginia, Virginia, Texas, Florida, Ohio, Pennsylvania, Maryland, Washington D.C., New York, New Jersey, Arizona, North Carolina, Georgia, or South Dakota.