Senior Credit Analyst
2 days ago
Madison
Job Description The Senior Credit Analyst is responsible for independently underwriting complex commercial credit requests and providing clear, well-supported recommendations to the Bank's lending and credit teams. This position analyzes borrowers, guarantors, financial performance, repayment capacity, collateral, industry conditions, and transaction structure across a diversified commercial loan portfolio. This position partners closely with commercial lenders, provides ongoing portfolio guidance, assists with borrower and prospect meetings, and mentors less-experienced credit analysts. The position reports to a Chief Credit Officer and supports the Bank's credit policies, risk-management standards, and regulatory compliance obligations. Job Responsibilities: • Independently underwrite new commercial loans, renewals, modifications, and annual reviews involving complex borrowing relationships., • Analyze commercial real estate, investment real estate, C&I, operating line, construction and development, and SBA loan requests., • Spreading financial statements and evaluating an entity's historical performance including strengths and weaknesses., • Researching and analyzing industry trends and economic factors affecting the, • business., • Perform cash flow, collateral, ratio, and trend analysis on borrower and/or guarantors., • Prepare complete, accurate, and well-supported credit presentations for approval by the appropriate lending authority or loan committee., • Preparing detailed narratives of company background, management expertise, and financial performance., • Partner with commercial lenders to gather information, evaluate transaction structure, and resolve underwriting questions., • Assess strengths, weaknesses, major risk factors, overall risk, and Bank's ability to mitigate key risks identified., • Identify key credit risks and mitigating factors and recommend appropriate loan structures, covenants, collateral requirements, reporting requirements, and risk ratings., • Review compliance with Loan Policy and Procedures (e.g. LTV, lending limits, collateral, etc.)., • Document loan policy exceptions (e.g. LTV, lending limits, collateral, etc.)., • Compiling the required information and documents., • Participate in credit presentation at loan committee., • Being a resource for others on Loan Policy and Lending Procedures., • Monitoring loan renewals and collaborating with Lenders to obtain all required documents and information to maintain timely loan renewals., • Monitor financial statement exceptions and assist Lenders in collecting the necessary information., • Providing recommendations on loan structure and courses of action., • Coordinating the order of commercial real estate appraisals and evaluations., • Assist with the internal review of real estate valuations (e.g. appraisals, evaluations, validations)., • Identifying and recommending additional business and personal services for new and existing clients., • Collection efforts and other support as needed (e.g. OREO, inspections, etc.)., • Support Loan Operations in documentation and ensuring lending policies and procedures are followed on an ongoing basis., • Recommend risk rating changes when applicable., • Assist with the Bank's annual review and portfolio stress testing processes., • Service and maintain covenant tracking spreadsheet., • Mentor junior credit analysts by reviewing work, explaining credit concepts, and providing guidance on financial analysis and underwriting practices., • Interact by phone and in person with customers, prospects, and COI's to obtain critical information for loan analysis and underwriting., • Remain informed about economic, industry, and regulatory developments that may affect the Bank's commercial loan portfolio., • Attend outside trainings and report information to the team., • Provide administrative support and other duties as needed., • Complete all work by following established policies and operating procedures., • Treat all client inquiries, questions, complaints with respect and follow through., • Maintain the Bank's goal to be accessible to the client and to provide premium quality service., • Maintain a high level of ethical behavior with clients and prospects., • Assist the Bank in keeping abreast of the competition in terms of rates, services, and products., • Be aware of and support the Bank's efforts in meeting Community Reinvestment Act (CRA)., • Help in the ongoing management of the Bank's loan management software. Skillset & Experience: • Effective communication when working with customers and/or employees., • Ability to communicate with employees and understand their functions/processes., • Be involved in developing solutions to meet the needs of the customer and/or employees., • Flexibility to meet changing workload; highly self-motivated., • Be a team player and be respectful to all staff, customers, and prospects. Provide leadership where assigned., • Proficient in Microsoft Office Suite and other applicable software., • Demonstrated ability to independently underwrite complex commercial credit relationships., • Must be detail-oriented with effective written and verbal communication skills., • Must be familiar with accounting principles., • Be familiar with banking laws, regulations, policies, and practices preferred., • Strong organizational skills., • Strong interpersonal skills and the ability to articulate in front of others., • Must possess a desire to learn and expand knowledge across the organization., • Must be flexible and patient., • Bachelor's degree in finance, business, accounting, or economics preferred., • 3+ years of progressively responsible commercial credit analysis or underwriting experience., • Banking experience required. Working Conditions: • Must be able to sit for periods greater than 45 minutes at a time., • Must be able to stand for periods greater than 30 minutes at a time., • Must be able to lift a minimum of 25 pounds., • Must be able to use computer monitors for periods greater than 45 minutes at a time., • Must be able to perform basic typing functions., • Some area travel – approximately 5%. Note: This job description is not intended to be all-inclusive. Employee may perform other duties as assigned to meet the ongoing needs of the Bank.