Senior Commercial Credit Analyst

Job Title

Senior Commercial Credit Analyst

Status

Exempt

Reports To

Regional Commercial Credit Manager or Commercial Credit Analyst Supervisor

Summary

Evaluates the financial condition of individuals and businesses applying for commercial credit. Makes credit recommendations to the Commercial Lender. Prepares loan presentation packages as required. Participates in Board presentations as required.

Typical Job Entry Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required.)

Bachelor's Degree in Finance or Accounting required. Ten plus years experience as a Commercial Credit Analyst is preferred, with extensive experience analyzing complex commercial credit transactions. Strong analytical abilities. Advanced spreadsheet and word processing application experience required.

Primary Activities

Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Analyzes loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and financial institution files.
• Makes preliminary recommendation to loan officer.
• Prepares spreadsheet, reports, summaries and opinions for financial officers on new, renewal, and existing loans.
• Prepares presentation package for Loan Committee.
• Assures all basic underwriting guidelines are met.
• Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts.
• Performs credit inquiries for the financial institution as requested.
• Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.
• Provides technical advice and assistance to loan officers throughout the holding company as needed.
• Maintains expertise in new and current analysis procedures.
• Maintains expertise in new and changing underwriting guidelines and industry regulations.
• Adheres to Bank credit standards and works constructively with and abides by credit department guidelines.
• Assists in the production of any required BOD reports.
• Maintains appropriate compliance tracking as required.

Competency / Skill Level

The behaviors, knowledge, and motivations important to success in the job.)

Key Behaviors

Bank Secrecy Act

Critical Job Elements

Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)