Senior Commercial Credit Analyst
4 weeks ago
This senior-level commercial credit analyst position is responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy. The ideal candidate will have a strong background in finance and accounting, with a minimum of 3 years of experience in commercial credit analysis. The role requires excellent analytical and communication skills, as well as the ability to work independently and as part of a team.
Key Responsibilities- Review loans to ensure compliance with company policy and acceptable credit standards
- Develop and analyze credit information for commercial loans
- Prepare credit reports for loan officers and committees
- Maintain control over credit requirements of current accounts
- Conduct investigations and analyses of financial data to facilitate credit extension decision-making
- Use credit reporting services to compile reports on potential customers
- Research and analyze financial statements to determine credit worthiness
- Assist with the preparation and presentation of loan committee or customer reports
- Maintain loan documentation files and monitor compliance with loan agreements
- Conduct systematic reviews of commercial loans to determine adequacy of documentation
- Bachelor's degree in business with an emphasis in finance or accounting
- Minimum 12 hours of accounting required
- 3 or more years of experience as a commercial credit analyst
- Completion of a credit training program such as Omega
- Knowledge of current bank lending procedures and policies, lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation
- Ability to analyze financial statements and loan risk for middle market regional and large public companies
- Possess good judgment skills and ability to make decisions within prescribed guidelines
- Excellent verbal, listening, and communication skills
- Ability to work independently and as part of a team
- Knowledge of Microsoft Word and Excel
- Ability to operate office equipment including PCs, calculators, telephones, voice mail, copy, and fax machines
- Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
Central Bancompany offers a competitive salary and benefits package, as well as opportunities for professional growth and development. If you are a motivated and detail-oriented individual with a passion for commercial credit analysis, we encourage you to apply for this exciting opportunity.
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