Senior Credit Analyst

4 weeks ago

Grand Rapids, Minnesota, United States Byline Bank Full time
Job Description

The Sr. Credit Analyst is a critical role within Byline Bank, responsible for providing analytical and underwriting support for commercial banking. This position involves an independent analysis of creditworthiness of customers and prospects, working closely with the lending function to assess the risk of commercial transactions.

Key Responsibilities:

  • Perform commercial credit analysis by reviewing credit reports, financial statements, tax returns, appraisals, property inspections, and environmental reports to complete loan presentations for approval consideration.
  • Prepare and analyze financial statement spreads to determine overall credit strengths and weaknesses of potential commercial credit customers.
  • Conduct collateral analysis of all collateral assets, including accounts receivables, inventory, equipment, and real estate.
  • Perform credit classification analysis, including customer base analysis, credit profile of largest customers, delinquent accounts, aging analysis, delinquencies, collections, and charge-offs.
  • Conduct inventory analysis, including inventory in days and examination of stale inventory, spoilage, depletion, and inventory valuations.
  • Perform equipment analysis, including comparison of market value to book value and assessment of net orderly liquidation values.
  • Conduct real estate collateral analysis, including examination of appraisal and special and single-purpose use facilities and alternative uses.
  • Communicate with customers or their representatives to obtain additional information or explanation throughout the underwriting process.
  • Identify and assess various business, industry, and market risks to determine and categorize business trends, growth, cyclical nature, seasonality, business cycle, and stages, and apply findings to credit evaluation.
  • Perform business sector analyses to evaluate the health and viability of a company based on similar businesses and/or competitors.
  • Evaluate the overall growth potential of a company's base through the application of various economic theories.
  • Order underwriting items, including audit, TLJ, and UCC searches, appraisal, environmental, flood certification, and property inspections from both internal and external sources.
  • Approve final funding reconciliation in Vendor Services.
  • Record and maintain external vendor order costs in Vendor Services.
  • Serve as a coach and mentor to Credit Analyst trainees.

Requirements:

  • Bachelor's degree in Accounting, Finance, or related degree.
  • 3+ years in SBA commercial credit analysis within a financial institution.
  • 5+ years in a commercial credit analysis function within a financial institution.
  • Prior management experience, preferred.
  • Experience with government-guaranteed lending products: SBA 7(a), SBA 504, USDA B&I Loan Programs.
  • Formal credit training, preferred.
  • Be recognized as a strategic thinker and creative problem solver.
  • Demonstrated high-level problem-solving and decision-making skills.
  • Ability to work collaboratively with a variety of stakeholders at all levels.
  • Be self-motivated and an effective time and project manager with a strong attention to detail.
  • Have strong change management, organizational, and planning capabilities.
  • Ability to identify, understand, and define problems, evaluate alternatives, set priorities, manage projects, and implement high-quality solutions.
  • Demonstrate strong organizational skills with the ability to directly manage and communicate multiple projects and priorities depending on organizational needs and strategies.
  • Possess strong communication skills both verbally and in writing.
  • Proficiency in MS Office Suite.

Physical Demands/Work Environment:

Usual office environment with frequent sitting, walking, and standing, and occasional climbing, stooping, kneeling, crouching, crawling, and balancing. Frequent use of eye, hand, and finger coordination enabling the use of office equipment. Oral and auditory capacity enabling interpersonal communication as well as communication through automated devices.

Byline Bank offers competitive industry rate salary bands with the goal of retaining and growing talented individuals. We regularly review and adjust our compensation structure as needed to ensure equity across teams and levels.

The salary range for this position is $80,000 to $105,000. Pay is based on several factors, including education, work experience, certifications, etc.

In addition to your salary, Byline Bank offers benefits such as a comprehensive benefits package, incentive and recognition programs, equity stock purchase, and 401k contribution (all benefits are subject to eligibility requirements).

No matter where or when you begin a career with Byline Bank, you'll find a far-reaching choice of benefits and incentives.

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