Senior Credit Analyst
4 weeks ago
Senior Credit Analyst Job Description
The Senior Credit Analyst is responsible for taking a lead role in underwriting the intermediate size commercial banking customers. He/she will provide independent and sound opinions on appropriate structures, terms, covenants, and risk ratings of a credit. The individual will take full responsibility for all written and verbal underwriting performed, including articulating their opinion of credits to Credit Committees.
Responsibilities
Underwriting and Analysis
Provides accurate financial analysis for intermediate sized client relationships by utilizing various software applications and other related systems (Paynet & credit reporting agencies)
Qualifies and validates financial information utilized in the credit decision making process
Collaborates with the Lending Officer to recommend loan structure that serves to minimize the credit risk to the Bank
Provides ongoing monitoring of financial covenants and works with the Lending Officer to formulate default waivers
Ensures relationships are appropriately risk rated during the underwriting process and recommends risk rating changes to the Loan Officer in a timely manner
Participates in customer calls with the Lending Officer as requested and/or time permits
Provides knowledgeable, well-articulated responses to questions received in credit committee meetings
Provides prompt turn around on customer and credit action requests, while communicating the status of loans in process with the lending officer and/or Credit Analyst Manager
Prioritizes workload with minimal supervision to serve the needs of the Lending Officer and Banks clients
Reviews and articulates findings within third party collateral reports to the Lending Officer and/or Credit Analyst Manager
Engages third party collateral evaluations
Provides identification of policy exceptions and variances throughout the underwriting process articulating these exceptions within the written credit action
Conducts customer file maintenance when necessary transferring financial related data and third-party collateral reports into the banks document imaging system
Completes approved risk rating changes
Other
Develop knowledge on SBA loan products along with policy and procedures
Attend general credit analysis training provided by Credit Analyst Manager as well as RMA or MBA classes
Comply with responsibilities as they relate to the Bank Secrecy Act (BSA), Anti-Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC)
Consult with customers as needed to verify financial and credit transactions
Tracking of specified credits from a technical aspect
This position may require travel to various Choice Bank offices and customer locations to complete various functions including but not limited to inspections
Performs duties outside normal scope as assigned
Completes special projects as assigned
Related Skills & Key Competencies
Leads as a team player with excellent interpersonal skills
Possesses excellent written and oral communication skills
Promotes and administers change and accepts diversity
Exhibits problem-solving, and decision-making skills and fosters open communication
Proficient computer skills including Microsoft Office (Word, Excel, Web Equity)
Must display consistent, detailed and strong organizational skills
Use sounds judgment in prioritizing tasks to work under tight deadlines
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
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