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Senior Credit Analyst/UnderwriterCEN • Jonesboro, AR, United States
Senior Credit Analyst/Underwriter

Senior Credit Analyst/Underwriter

CEN • Jonesboro, AR, United States
30+ days ago
Job type
  • Full-time
Job description

Senior Credit Analyst/Underwriter

The Sr. Credit Analyst/Underwriter performs financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals. This position performs analysis on the largest and most complex loans or relationships with a Region or Industry. The Sr Credit Analyst/Underwriter engages with Analyst I or II, as appropriate, to assist in the analysis of the credits or relationships and as directed by their manager.

Essential duties and responsibilities include:

  • Generate financial spreads, or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends.
  • Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows/project analysis on an accurate and timely basis.
  • Create credit memos and annual reviews, as defined in current department procedures.
  • Attend loan committee meetings when directed by management.
  • Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager.
  • Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis.
  • Act as back up the Regional Manager or other CA leader in the review of work product performed by other Analyst's on the team.
  • The ability to work in a constant state of alertness and in a safe manner.
  • Complete required BSA/AML training and other compliance training as assigned.
  • Perform any other related duties as required or assigned.

Qualifications include:

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 7 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.

Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied.

While performing the functions of this job, the employee is frequently required to sit, use hands to finger, handle, or feel, talk or hear; and occasionally required to stand, walk, reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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Senior Credit Analyst/Underwriter • Jonesboro, AR, United States

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