Senior Credit Analyst

Job description

Summary: Responsible for analyzing for new borrowers and complex credits. Analyzes commercial loan requests to determine credit risk involved in extending credit. Reviews Loan Policy when creating loan write-up to define current and future credit performance. Assists loan officers in determining the proper credit structure and terms for potential/current borrower(s) to meet ROE thresholds of the Bank. Identifies loans that meet the standards as defined by the Bank and/or governmental programs. Ensures loan is in within the Bank's legal lending limit, and adhere to Bank policy and regulatory guidelines. Oversees the Bank's commercial appraisal and mortgage (secondary market) QC Program. Qualifications: Education: Bachelor's Degree in business, finance, accounting or other related field. Licenses/Certifications: None. Experience: Five years of commercial, consumer and/or mortgage analysis experience. Or equivalent combination of education and experience. Essential Functions: A: Job Specific: · Analyzes loan packet for new borrowers and complex credits to determine risk and prepare an objective written credit analysis. Reviews financial statements, debt service, cash flow, balance she...