Senior Credit Analyst

Position Description

Title:                           Senior Credit Analyst

Department:              Credit Administration

Reports to:                 AVP, Credit Officer

Supervises:                 None

Classification:            Exempt

Date Prepared:          September 26, 2025

Summary / Objective

The Senior Credit Analyst (Analyst) is responsible for determining and monitoring credit risk in the commercial loan portfolio, and for assisting the AVP, Credit Officer with overseeing and training credit administration department staff.  Responsibilities include collecting and analyzing financial statements, preparing loan memoranda and annual reviews, determining, and assigning risk ratings, assist in the borrowing base review process, reviewing real estate appraisals and assisting in the administration of the Bank’s credit policies. The analyst may also perform market research and perform other duties as assigned.

Experience & Education Requirements:

• Bachelor’s degree in Business, Finance or Accounting.
• 5+ years of credit and financial statement analysis experience
• Good interpersonal, communication & computer skills

Essential Job Functions:

• Evaluates the financial condition of individuals and businesses applying for credit with the financial institution.
• Analyzes loan data on new and existing loans and borrower relationships, including data provided by credit bureaus, other financial institutions and financial institution files.
• Determines if loan requests meet sound underwriting standards.
• Monitors adherence to loan policies and credit risk review policies
• Assists with reviewing borrowing bases for formula-based / non-conforming asset-based loans
• Prepares and presents memos and management reports to the Security Committee on a regular basis.
• Identifies credit risk situations and provides guidelines to line of business lending managers.
• Oversees and manages financial information files to assure current financial statements, accounts receivable and other information on customer accounts.
• Reviews and updates new and existing loan files for the financial institution on an as needed basis.
• Prepares spread sheets, reports, summaries and opinions for financial institution officers on new, renewal and existing loans.
• Maintains knowledge of department policies and procedures through internal and external training activities
• Assists with monitoring departmental workload; provides mentoring and guidance to junior credit department staff.
• Maintains knowledge of department policies and procedures through internal and external training activities.
• Works under general supervision and in compliance with established policies, procedures and regulations.

Required knowledge, skills & abilities:

• Familiarity with federal and state regulations regarding lending and related departments.
• Strong understanding of accounting principles with ability to prepare and analyze financial statements, including working capital cycles and collateral.
• Advanced computer skills including Microsoft Word, and Excel.
• Advanced written, oral, and interpersonal skills with ability to prepare and make presentations.
• Ability to apply critical thinking and problem-solving skills.
• Ability to adapt to changing demands and requirements.
• Compliance with BSA regulations as appropriate to the position.
• Some supervisory experience preferred.

Physical Demands and Work Environment:

• Ability to use standard equipment such as computers, phones, photocopiers.
• Work involves standing and walking for brief periods of time, but most duties are performed from a seated position.
• There is potential for eyestrain from reading detailed printouts and computer screen. Deadlines, workloads during peak periods and pressure may cause increased stress levels.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Other Duties

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. It is expected that from time-to-time other duties, both related and unrelated to the above, may be assigned and therefore, required.