Job Description

Senior Credit Analyst

Position Overview:

We are seeking a Senior Credit Analyst to support commercial lending activities through detailed financial analysis, credit underwriting, and risk assessment. This individual will play a key role in evaluating complex credit opportunities, partnering closely with Relationship Managers, and contributing to sound credit decisions that align with the bank’s risk appetite and growth strategy.

Key Responsibilities:

• Analyze financial statements, tax returns, and cash flow to assess borrower creditworthiness
• Underwrite commercial loans across C&I, CRE, and/or SBA portfolios
• Prepare comprehensive credit memos and present recommendations to credit leadership or loan committees
• Perform global cash flow analysis, debt service coverage, and sensitivity analysis
• Partner with Relationship Managers to structure deals and identify potential risks and mitigants
• Monitor existing loan portfolios, including annual reviews, renewals, and covenant compliance
• Identify trends or emerging risks within the portfolio and provide proactive recommendations
• Mentor junior analysts and assist in training or review of credit work as needed
• Ensure compliance with internal policies, regulatory standards, and credit guidelines

Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics, or related field
• 3-5+ years of credit analysis experience within a commercial banking environment
• Strong understanding of commercial lending (C&I, CRE, and/or SBA)
• Advanced financial analysis and modeling skills
• Experience writing and presenting detailed credit memos
• Ability to assess complex transactions and structure credit facilities
• Strong communication and interpersonal skills
• High attention to detail and ability to manage multiple priorities

Preferred Qualifications:

• Experience working with middle-market or commercial clients
• Prior exposure to loan committees or credit approval processes
• Leadership or mentoring experience
• Familiarity with risk rating systems and regulatory expectations

Why Join Us:

• Collaborative and team-oriented credit culture
• Opportunity to work on complex and meaningful transactions
• Clear path for growth within credit or lending

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