Senior Credit Analyst, Officer

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Credit analysis and assessment of moderate to complex transactions with new and/or existing customers to support proposed loans or annual renewals as requested by the Loan Officers or as needed for compliance with submission of loans to the Loan Committee and/or Executive Committee
• Spreading financial statement data and analysis of resulting spreadsheets, including documenting findings, observations, and conclusions regarding the financial health and cash flow capacity of the business and/or borrower(s) and guarantor(s)
• Research and documentation of moderate to complex credit issues that arise regarding existing borrowers and/or loan relationships
• Prepare annual review and/or renewal of relationships in the Bank's existing portfolio

Please note this job description is not designed to cover a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change over time.

REQUIREMENTS

• Bachelor's degree preferred
• Minimum of three (3) years of related experience required
• Strong understanding of commercial lending, financial analysis, and business structure is essential
• Underwriting experience, including but not limited to construction loans preferred
• Ability to analyze, document, and clearly present findings
• Highly detail-oriented with excellent organizational skills
• Ability to multi-task and assimilate knowledge and experience
• Sound working knowledge of various computer programs and software applications, including Microsoft Office Suite, Sageworks and Fiserv DNA platform.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities