Sr Credit Analyst - Bank

Overview

This role provides expert financial analysis and assesses creditworthiness for existing and new business lending and Treasury Management clients. The position also manages special assets and provides troubled loan monitoring for watchlist credits.

Responsibilities

• Evaluate and review complex business loan and Treasury Management requests.
• Recommend loan and Treasury Management product structures to lenders.
• Read, analyze, and interpret complex documents to assess risk factors and degrees of risk.
• Manage ongoing review of credit relationships, including loan memorandums and annual reviews.
• Provide recommendations on credit structure based on working knowledge and credit policy.
• Serve as the primary contact and subject matter expert for the SBA loan approval process.
• Review and prepare written analyses, spreadsheets, reports, summaries, and opinions for loan activities.
• Demonstrate strong expertise in ratios and global universal cash flow analysis.
• Act as a credit policy and procedure expert for business lenders and Treasury Management.
• Independently prepare and present troubled loan monitoring reports to the Loan/Credit Committee.
• Oversee special assets and watchlist credits for commercial lending.
• Assist the accounting department with risk assessments for commercial, mortgage, and consumer lending portfolios.
• Work directly with external regulators on documentation and analysis requests.

Requirements

• 6+ years of financial analysis, commercial or business lending, and Treasury Management experience.
• A four-year degree in accounting, business, finance, or a related field, or equivalent experience (minimum requirement). CPA designation a plus.
• Excellent knowledge of business lending and Treasury Management regulations and products/services, including ACH and remote deposit capture.
• Ability to work with lenders to explain products/services features and benefits to customers.
• Demonstrated knowledge and application of business lending and Treasury Management credit policies and procedures.
• Excellent knowledge of the bank industry and ability to present professionally.
• Ability to produce results without direct supervision.
• Uses experience and judgment to plan and complete assigned tasks.
• Assist with orienting and training lower level employees.
• Strong human relations and change management skills.

Preferred Qualifications

• Strong Excel experience, including advanced formulas, pivot tables, and data analysis.
• Non-profit lending and underwriting experience.
• Experience underwriting complex CRE loan requests.

Compensation & Benefits

• Pay range (full-time): $63,886.00 - $86,434.00 per year (varies by geographic region). Base pay offered will be determined by factors including location, relevant experience, skills, knowledge, business needs, market demand, and other factors.

Potential benefits may include:

• Various bonuses (including annual or long-term incentives)
• Medical, dental, and vision insurance
• Health savings account; flexible spending account
• 401k and pension
• Life and accidental death and dismemberment insurance
• Disability insurance
• Supplemental protection insurance
• 20 days of Paid Time Off each year
• Sick and Safe Time
• 10 paid company holidays
• Volunteer Time Off
• Paid parental leave
• EAP and well-being benefits

Eligibility for benefits is subject to applicable plan/policy documents, which may change.

Location

Remote