Credit Analyst – Senior

Bachelor’s Degree or approved equivalent combination of education and experience
Work-related experience should consist of commercial financial analysis or a lending background
Strong knowledge of commercial, construction and real estate credit analysis
Proficient in Microsoft Office suite (Word, Excel and PowerPoint)
Strong typing skills to meet production needs of the position
Strong math skills
Effective verbal, written and interpersonal communication skills
Excellent organizational and time management skills
Ability to work with minimal supervision while performing duties

Providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director and Division Manager
Gathering and analyzing credit information on current and potential borrowers
Determining the advisability of granting credit for diversified types of loans
Assisting in writing loan requests and promoting business for the Bank
Independently interacting with clients and prospects to perform due diligence necessary to extend credit
Preparing spreadsheets and analyzing financial information, including financial statements and tax returns
Conducting industry peer comparisons and performing cash flow analyses
Ensuring compliance with all Bank policies, procedures and processes and all applicable state and federal banking laws, rules and regulations

Preferred five to seven years’ experience in financial and/or credit analysis or related areas
Experience, knowledge and training in financial statement and tax return analysis