Senior Credit Analyst

Description

The position of Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

Skills

Credit risk, finance, accounting, tax return analysis, credit analysis, loan processing, commercial loan, underwriting, communication and leadership skills, excel, Commercial real estate loans, mentor skills, banking

Top Skills Details

Credit risk,finance,accounting,tax return analysis,credit analysis,loan processing,commercial loan,underwriting,communication and leadership skills,excel,Commercial real estate loans

Additional Skills & Qualifications

ESSENTIAL DUTIES 1. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. 2. Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data. 3. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons. 4. Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers. 5. Assists loan officers in Coordinating processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans. 6. Informs loan officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved 7. Assist loan officers in the review and renewal of credit facilities; provides back-up support. 8. Checks pledged assets as requested by loan officers. 9. Assists with on-going computerization of the loan review function. 10. Assists loan officers in verification of funds with mortgage companies and contractors. 11. Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition. 12. May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business. 13. Reinforces the application of superior customer service through his or her own example along with appr

Experience Level

Expert Level