Senior Commercial Credit Analyst

2 weeks ago

Morrisville, North Carolina, United States The Bancorp Full time
Position Title: Senior Commercial Credit Analyst

Job Overview:
This role involves conducting intricate credit evaluations and financial assessments of both new and existing loan applications.

Key Responsibilities:
  1. Credit Risk Assessment: Perform thorough analysis of financial documents related to complex credit applications to evaluate the level and quality of credit risk and repayment potential.
  2. Loan Structuring: Collaborate with sales personnel to design each loan proposal in a manner that safeguards the bank's interests while aligning with the borrower's objectives.
  3. Client Interaction: Engage in discussions with applicants and/or their representatives, such as accountants or financial controllers, to gather necessary information.
  4. Information Gathering: Coordinate with sales teams to obtain essential credit data for the underwriting of loan and lease applications.
  5. Exposure Verification: Confirm the total and current exposure of existing borrowers using various loan and leasing systems, ensuring compliance with departmental risk parameters.
  6. Credit Memorandum Generation: Create detailed credit memoranda that encompass financial analyses, client backgrounds, and summaries of fiscal performance and cash flow for more intricate credit cases.
  7. Recommendation Presentation: Formulate and present recommendations (approval or denial) to senior management, including all pertinent financial analyses and collateral information in line with the organization's credit policies.
  8. File Maintenance: Ensure that all loan files are accurate and complete, validating that all necessary authorizations and compliance measures are in place prior to finalizing underwriting documentation.
  9. Collaboration: Foster strong working relationships with sales teams, leasing operations, and other internal departments to maintain open communication regarding credit analysis and client reviews.
  10. Process Improvement: Suggest enhancements to processes and procedures to boost the efficiency of the credit review workflow.
  11. Training and Mentorship: Provide guidance and support to junior credit officers and analysts.
  12. Additional Duties: Undertake other responsibilities as assigned.

Qualifications:
Education and Experience:
Possess an undergraduate degree in a relevant field or an equivalent combination of education and experience. A minimum of five years of experience in commercial credit analysis or fleet/equipment leasing is required.

Preferred Skills:
Demonstrated organizational, time management, and prioritization abilities to meet deadlines. Excellent verbal, written, and interpersonal communication skills, along with strong presentation capabilities. Ability to work effectively in a collaborative, multi-tasking environment. Proficiency in Microsoft Office applications, including Excel, PowerPoint, Word, and Outlook.

Diversity and Inclusion:
The Bancorp Bank is an equal opportunity employer and is committed to fostering a diverse and inclusive workplace. We do not discriminate based on race, color, religion, gender, gender identity, sexual orientation, pregnancy, citizenship, national origin, age, disability, genetic information, veteran status, or any other protected category in recruitment, hiring, training, promotion, and other employment practices.

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