Sr Credit Analyst - Bank

Overview

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

Responsibilities

• Evaluate and review complex clients’ business loan and Treasury Management requests.
• Recommend loan and Treasury Management product structure 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 credit structure recommendations based on working knowledge and credit policy.
• Serve as the primary point of contact and subject matter expert for the SBA loan approval process.
• Prepare written analyses, spreadsheets, reports, summaries, and opinions for loan activities.
• Apply knowledge of 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 accounting with risk assessments on commercial, mortgage, and consumer lending portfolios.
• Work with external regulators on required documentation and analysis.
• Collaborate with internal stakeholders, external vendors/contractors/consultants, clients, and senior leadership, including the Board of Directors as needed.

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 is required.
• CPA designation is a plus.
• Excellent knowledge of business lending and Treasury Management regulations and products/services, including ACH and remote deposit capture.
• Ability to explain product 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.
• Strong use of experience and judgment to plan and complete assigned tasks.
• Experience assisting with orienting and training lower level employees.
• Strong human relations and change management skills.

Preferred Qualifications

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

Compensation & Benefits

• Full-time pay range: $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, and 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 and 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
• Well-being benefits and other employee benefits

Eligibility depends on applicable plan/policy documents; plans/policies are subject to change.

Location

Remote