Senior Commercial Credit Analyst

3 days ago

Chattanooga, Tennessee, United States Bank First Full time
Job Title: Senior Commercial Credit Analyst

At Bank First, we are seeking a highly skilled Senior Commercial Credit Analyst to join our team. As a key member of our credit department, you will be responsible for evaluating the financial condition of individuals and businesses applying for commercial credit.

Key Responsibilities:
  • Analyze loan data on new, renewal, and existing loans, including data provided by credit bureaus, other financial institutions, and financial institution files.
  • Makes preliminary recommendations to loan officers.
  • Prepares spreadsheet, reports, summaries, and opinions for financial officers on new, renewal, and existing loans.
  • Prepares presentation packages for Loan Committee.
  • Assures all basic underwriting guidelines are met.
  • Oversees and manages financial information files to assure current reports, statements, accounts receivable, and other information on customer accounts.
  • Performs credit inquiries for the financial institution as requested.
  • Establishes, reviews, and updates new and existing loan files for the financial institution on a regular basis.
  • Provides technical advice and assistance to loan officers throughout the holding company as needed.
  • Maintains expertise in new and current analysis procedures.
  • Maintains expertise in new and changing underwriting guidelines and industry regulations.
  • Adheres to Bank credit standards and works constructively with and abides by credit department guidelines.
  • Assists in the production of any required BOD reports.
  • Maintains appropriate compliance tracking as required.
Requirements:
  • Bachelor's Degree in Finance or Accounting required.
  • Ten plus years experience as a Commercial Credit Analyst is preferred, with extensive experience analyzing complex commercial credit transactions.
  • Strong analytical abilities.
  • Advanced spreadsheet and word processing application experience required.
Competencies:
  • Written and Oral Communication skills.
  • Analytical Ability.
  • Initiative.
  • Customer Service Orientation.
  • Problem Assessment and Solving skills.
  • Teamwork.
  • Tolerance for Stress.
  • Practical Learning skills.
Bank Secrecy Act:
  • Maintain sufficient knowledge and understanding of the Bank Secrecy Act, Anti-Money Laundering/Anti-Terrorist Financing/PATRIOT Act, and OFAC regulations.
  • To be able to fulfill applicable requirements and responsibilities under the bank's related policies and programs.
Critical Job Elements:
  • Generally good working environment with little exposure to noise, extreme temperatures, or other adverse factors.
  • Limited physical effort required.
  • Above average amount of pressure to work efficiently and accurately.
  • Considerable effort and eye strain from continued checking on the accuracy of all work leaving department.
  • Above average mental effort consisting of beyond normal levels of concentration, memory, complexity of decision making, time pressure, analytical thinking.

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