The Senior Credit Analyst will be primarily responsible for spreading and analysis of commercial financial statements for prospective and existing loan customers. The Analyst will perform financial analysis and basic underwriting of loan packages for loan officers to include the following: trend, equity and ratio analysis, loan structuring, collateral analysis, guarantor analysis, and calculation of Global Debt Service Coverage. Other duties will include performing loan reviews of existing commercial loans (recommending credit grades based on creditworthiness of borrower and performance of the loan, and identifying documentation exceptions and evaluate underwriting), redetermination of Borrowing Base Analysis (review A/R Aging, Inventory, Equipment, Floor Plan reports and prepare Borrowing Base Calculation reports), and other related duties as assigned. A full description available upon hiring.

ESSENTIAL FUNCTIONS AND BASIC DUTIES
To assist loan officers in making credit decisions on new loan requests or loan renewals.
Complete credit analysis, background, collateral, strengths & weaknesses and summaries of loan request(s).
When needed perform loan reviews of existing commercial loans.
Identify documentation exceptions.
Other duties as assigned.

EDUCATION/CERTIFICATION:
Bachelor’s Degree in Business Administration, Accounting or Finance with a minimum of 9 ours of accounting and 12hours of finance.

EXPERIENCE REQUIRED:
Minimum 2 years of experience underwriting C&I and CRE credit transactions required.

EXPERIENCE PREFERRED:
Completion of a formal credit program preferred, with specific training in financial statement analysis and cash flow analysis.

SKILLS/ABILITIES:
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.
Proficiency in underwriting personal/business tax returns and financial statements.
Excellent interpersonal and communication skills, oral and written, with a focus on excellent customer service.
Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.
Ability to work independently and be a self-starter, producing results in a timely manner.
Working knowledge of Excel, MS Word, and database applications.
Must be detail oriented, organized and work efficiently under pressure.