Sr. Credit Analyst

In this position, you will:

• Analyze and assess applicant financial status, strengths, credit, industry, and property evaluation to determine feasibility of granting loan, including the following:
  • Spread financials and perform projections and/or proformas as well as sensitivity analysis.
  • Review and assess supporting reports related to the transactions, such as appraisals, environmental, inspections, field audits, plan and cost review, etc.
  • Work with Portfolio Manager and Relationship Manager to obtain necessary information. Give Relationship Manager feedback on issues and suggest potential structures and resolutions.
  • Manage and prioritize multiple deals at the same time, in order to provide a good client experience.
• Occasionally go on joint calls with Relationship Manager.
• Make recommendations on credits to the person with appropriate lending authority. 
• Use lending authority on credits underwritten by another Credit Analyst.
• Prescreen new deals.
• Help train other credit analysts, and cross train in multiple bank products.
• Monitor and test loan covenants for existing credit relationships.
• Ensure that all exceptions to the bank's lending policy are noted and that the proper level of approval is obtained.
• Maintain a strong understanding of the bank's lending policy, as well as interagency regulations.
• Maintain a good working relationship with the Line of Business.