Sr. Commercial Credit Analyst

Description:

The Sr. Commercial Credit Analyst evaluates financial condition of existing and prospective individuals and businesses applying for credit with the Bank, determining credit worthiness. Prepares and reviews all supporting documentation for underwriting and recommends approval or rejection of credit requests. Additionally, the Sr. Commercial Credit Analyst provides guidance to other Credit Analysts within the department.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Works independently analyzing complex loan data and financial information on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions and Bank files.
• Completes Credit Memo/Underwriting of requests for commercial credit, remote deposit capture, and ACH customers with the Bank.
• Prepares spreadsheets, reports, summaries and opinions for Bank Officers on new, renewal and existing loans.
• receivable and other information on customer accounts. Performs quarterly financial reviews identifying possible negative trends.
• Assigns risk ratings to each borrower of the bank.
• Provides technical support to loan officers and other credit analysts.
• Performs all duties in accordance with prescribed regulatory compliance guidelines.
• Assumes additional responsibilities as requested.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and talk or hear, reach with hands and arms; and stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and the ability to adjust focus.

Affirmative Action/EEO Statement

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Requirements:

• Bachelor's degree in business, finance or accounting.
• Three or more years of credit analysis experience.
• Strong financial analytical abilities; detailed oriented.
• Good written and verbal communication skills.
• Ability to quickly learn and properly use various software programs.

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