The position of Senior Credit Analyst is responsible for managing the Commercial, C&I, SBA, Real Estate Lending, Consumer Lending and Commercial Equipment Leasing loan process and preparation of relationship global cash flow analysis and Management Reporting: Support Company’s Lending units with Credit memorandums and financial analysis of new and exist lending relationships. Reports to the Credit Manager.
Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd–Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.
Identifies, collects, and analyzes credit analysis and global cash flow to assess credit risk.
Conducts site visits, meetings, and interviews with borrowers.
Prepares file approval memorandums summarizing results and validates Credit Risk Ratings in compliance with the Company’s policy and procedures.
Monitors delinquencies, covenant compliance, etc.
Supports commercial lending in other credit matters as assigned.
Contacts borrowers to obtain additional supporting information.
Prepares spreadsheets and calculates appropriate rations and other financial information.
Provides direct support to Senior Credit Officers/Credit Manager to develop and analyze all relevant credit information in conjunction with account officers pertaining to more complex commercial and business loans.
May assists and reviews work of less experience credit analysts.
Maintains knowledge of the Company’s underwriting and lending guidelines
Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values.
The incumbent is in a non-confined office type setting in which he or she is free to move about at will. The position includes driving a personally owned vehicle as necessary which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc.
The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 25 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
The incumbent for this position may operate any or all of the following: telephone, cellular telephone, copy and fax machines, adding machine (calculator), typewriter, computer terminal, personal computer and related printers.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.