Objectives of this Role: 

The Senior Credit Analyst position will be in a leading role in supporting the Commercial Lending Team with centralized underwriting needs, assisting in line of business portfolio management and other complex credit functions.  The Senior Credit Analyst routinely handles the most complex credit requests in a timely responsive manner.  Performs a wide variety of tasks that require a broad knowledge of department operations, policies, and procedures.  May also assist with the supervision of subordinate staff within the department. 

Essential Duties & Responsibilities 

• Responsible for providing an independent analysis of credit quality for loan relationships of all levels of complexity at the bank to determine borrower's financial condition and ability to repay; reviewing credit facility requests to determine compliance with structural, corporate policies and procedures and ensuring that proposed transactions comply with government regulation; preparing accurate credit approval documents, in accordance with Department procedures, which outline the material strengths and weakness of the proposed transaction(s); recommending appropriate risk ratings to borrowers or specific loans; supporting credit and lending staff though completion of particular analysis requested which would be classified as above average in complexity; conducting annual credit reviews. 
• Prepares credit approval memorandums utilized by senior/executive management to approve loans.  Ensures documents are accurate and assumptions are evidenced in the proposal.
• Recommends appropriate risk ratings to proposed borrowers or loan transactions, including regulatory non-Pass ratings, which will directly influence the ALLL provision and bank earnings. 
• Performs duties with supervision of VP, Credit Underwriting Management or Senior Management which will provide opportunity to develop a thorough understanding of various types of lending facilities as well as a variety of companies and industries.
• May participate with relationship managers on calls with commercial loan customers.
• Strong understanding of the bank's metrics and conditions for tracking its client's operating/financial performance after loan origination including covenant monitoring and borrowing base compliance.
• Firm understanding of the bank's loan policy/program for extending credit to its clients.
• Provide front-end support of loan request packages to ensure all pertinent financial information is in the credit file.
• Prepares reports as requested by department manager, loan officer, and senior management. 
• Assist bank examiners and audit personnel in obtaining information related to areas of responsibility. 
• Provides a leading role in the underwriting goals to provide guidance and training to other analysts on the team.
• Assumes additional duties as requested, including special projects which junior credit analysts do not have the knowledge or understanding to complete.
• May assist with the supervision of subordinate staff within the department. May also be responsible for evaluating their performance, developing their abilities, and improving their output.  

Supervisory Responsibilities 

• Assists with the supervision of subordinate staff within the department.  
• May also be responsible for evaluating their performance, developing their abilities, and improving their output.  

Other Duties

Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities are as required and may change at any time with or without notice.

Competencies

• Customer Centric Focus
• Diversity and Inclusion
• Act with Integrity
• Collaboration and Teamwork
• Results Oriented/Execution
• Business Acumen

Skills & Qualifications

• Bachelor's Degree in finance, accounting or other business-related field required or equivalent experience.
• Minimum of two (2) years in commercial credit analysis function.  Must have worked as a Credit Risk Analyst II or similar related experience.
• Sound financial and risk analysis understanding necessary to analyze complex credit data and financial statements to determine the degree of risk involved in extending credit.
• Extensive knowledge of banking products and services.
• Knowledge of corporate business structure and legal documents.
• General knowledge of U.S. government and regulation.
• Proficient in Microsoft Outlook and Microsoft Suite including Word and Excel.
• Understanding of nCino / ability to manage credits assigned to analysts in the system. 

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.