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Senior Loan Evaluation Specialist

2 months ago


Lancaster, Pennsylvania, United States S and T Bank Full time
Position Overview:
As a Senior Credit Analyst at S and T Bank, you will play a pivotal role in assessing loan applications to ensure they align with the bank's standards and regulatory requirements. Your expertise will be crucial in evaluating the creditworthiness of complex loan relationships and determining the financial viability of borrowers.

Key Responsibilities:
  • Evaluate loan requests to ensure compliance with bank policies and regulations.
  • Conduct thorough analysis of commercial loan documentation and agreements.
  • Assess loan structures and recommend improvements to enhance financial outcomes.
  • Perform background checks and credit inquiries to mitigate risks.
  • Utilize advanced analytical techniques to evaluate borrowers' financial health.
  • Identify and address significant credit issues during the underwriting process.
  • Prepare detailed underwriting documents for executive management review.
  • Assign risk ratings to loan transactions, influencing bank earnings.
  • Provide mentorship and guidance to junior credit analysts.
  • Manage credit teams in the absence of senior management.
Physical Requirements:
This role involves extensive use of office equipment and requires manual dexterity for typing and data entry. Accommodations may be made for individuals with disabilities to perform essential functions.

Qualifications:
A bachelor's degree in Accounting, Finance, or Economics is required, along with specialized training in credit analysis. Candidates should possess a strong understanding of accounting principles and advanced credit analysis methodologies. A minimum of 10 years of relevant experience is preferred, particularly in a supervisory or mentoring capacity.

Equal Opportunity Employer:
S and T Bank is committed to creating a diverse environment and is proud to be an equal opportunity employer. We encourage applications from all qualified individuals.