Senior Credit Analyst

Senior Credit Analyst

Job Locations

US-PA-Perkasie

Job ID

2025-1916

# of Openings

Category

Credit Administration

Overview

Provide exceptional credit support to the Commercial Lending team and CCO by preparing analyses and assistance in preparation of credit memo presentations.

Responsibilities

Work with Credit Portfolio Manager, Credit Manager, Credit Officer, and CCO to ensure consistent and accurate credit analysis and loan presentations.

• Prepare financial statement spreads and perform comprehensive analysis of cash flow
• Evaluate individual personal financial statements, tax returns, and prepare global cash flows
• Verify compliance with credit policy, applicable regulations and lending procedures
• Conduct industry and market analysis to identify risks and risk mitigating factors
• Prepare analysis and approval memo for moderately complex loan requests, reviews and renewals.
• Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
• Provide support and analysis to the Special Assets Group.
• Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.
• Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.

Compliance

Relationships and Contacts

Internal : Daily contact with senior credit analyst, commercial lenders, CCO, and loan administrative assistants; Contact with special assets group as needed.

External : Frequent contact with borrowers, accountants and loan review.

Qualifications

Education and Experience

Skills and Competencies

Working Conditions

Traditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday - Friday) with operational hours of 8 : 00am - 5 : 00pm. Must be willing to travel to other Bank locations as needed.

Physical Demands

Penn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.

Equal Employment Opportunity

It is the policy of Penn Community to provide equal employment and advancement opportunities to all individuals. For this reason, employment decisions at Penn Community will be based on merit, qualifications, and abilities. Except where required or permitted by law, employment practices will not be influenced or affected by an applicant's or Team Member's race, color, religion, sex, national origin, age, sexual orientation, physical or mental disability, veteran status, or any other characteristic protected by law.