What are the responsibilities and job description for the Senior Credit Analyst position at Robert Half?
Essential Duties and Responsibilities of Senior Commercial Credit Analyst include the following:
• Analyze and spread financial information such as tax returns, income statements, balance sheets, rent rolls, leases, appraisals, personal financial statements and credit reports to determine the degree of risk involved in extending credit or lending money.
• Perform global cash flow analysis
• Analyze collateral positions
• Confer with lender and other business representatives to obtain financial information. • Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Compare liquidity, profitability, and credit history of businesses being evaluated with those of similar businesses in the same industries and geographic locations.
• Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
• Complete loan presentations and credit memos for the organizations most complex credits
• Complete annual loan and relationship reviews
• Be available to answer questions from less experienced colleagues
• Be aware of department policies and procedures, adhere to them, and help to make sure the Commercial Credit Analysts are adhering to them as well.
• Provide feedback on the general direction of the Credit department when appropriate
Additional tasks may be assigned as necessitated by business demands.
Desired Qualifications / Skills / Abilities of Senior Commercial Credit Analyst:
• Bachelor’s Degree in Finance or Accounting
• At least 4-5 years credit analyst experience in a banking environment
• Ability to communicate with and give direction to less experienced colleagues
• Knowledge of accounting rules, regulations, policies and procedures in the financial services industry
• Advanced problem-solving skills
• Advanced Microsoft Office skills
Salary : $85,000 - $90,000
