Senior Credit Analyst

Job Type

Full-time

Description

Summary / Objective :

The Senior Credit Analyst gathers, develops and analyzes financial information in support of the

commercial and consumer lending activities. Prepares financial spreads using a web-based system as

well as supplemental schedules using Excel and / or Word. In conjunction with the Relationship

Managers, prepares loan approval packages for review and approval by authorized signers including

loan committee and the Board of Directors. Prepares term loan annual reviews of relationships.

Prepares loan committee agendas, full and detailed loan committee packages, loan committee minutes

and reports. The analyst runs credit reports, OFAC searches, and business lien searches. The

analyst also synergizes financial and other information along with creating / eliminating or

advancing ticklers in the Jack Henry system. The Senior Credit Analyst will focus on higher level

or more intricate credits and act as a mentor to more junior analysts providing guidance and

support. Accompanies Relationship Managers on customer calls when appropriate.

Essential functions / responsibilities :

Gather and Analyze Financial Information

Gather financial information on new and existing customers, including personal and business tax

returns, financial statements and other supporting documentation as appropriate.

Spread business and personal financial information in the web-based financial software and produce

spreads of such information to be included in loan write-ups and for file updates. The web-based

financial statement spreads shall be supplemented by other schedules, spreadsheets, etc. as needed

to clearly present the financial condition, operating results and cash flow of the customer. Such

information is to be discussed with the Relationship Manager to identify strengths, weaknesses,

risks and trends of the company.

Prepare Loan Approval Packages :

Work closely with the Relationship Managers to prepare loan write-ups. Complete as much of the

package as possible including all information about loans and deposits of the relationship,

financial spreads and debt service calculations.

Assemble all packages for loan committee, prepare committee agenda and ensure the package is made

available to loan committee members in a timely manner. Attend all loan committee meetings and

prepare committee minutes.

Credit / Loan Administration :

Ensure all financial and related information is complete and filed in a timely manner.

Update / advance / eliminate financial ticklers depending on circumstance once information has been

received.

Maintain outstanding relationship and teamwork with other credit, lending and loan administrative

staff. Assist as needed with dealing with loan maturities, renewals, etc.

Prepare various reports on an as needed basis.

Coordinate required loan information with loan review firm, bank examiners, CPA firm, etc. Assist

these

groups with accessing information in synergy as needed.

Requirements

Competencies :

• Able to multitask while prioritizing responsibilities and tasks.
• Able to communicate clearly orally and written.
• Effective inter-personal skills, working in a team environment
• Highly organized, reliable and effective with management of time.
• Strong analytical, problem solving and mathematical abilities
• Ability to work extra hours including early mornings, evenings and weekends as needed to accommodate customers, prospects, community events, etc.
• Ability to function well in a high-paced and at times stressful environment.
• Excellent time management skills with a proven ability to meet deadlines.
• Proficient with Microsoft Office Suite and various specific bank related software

Supervisory Responsibilities :

Education and Experience :

Physical Requirements :

Salary Description

Starting salary at $70K