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The position of Senior Credit Analyst II is responsible for performing in-depth, thorough financial and collateral analysis and investigation of the credit worthiness of prospective and current clients, which includes ensuring that requested loans conform to Bank’s lending policies and procedures and generally accepted underwriting practices that are a necessary component of creating a safe and sound loan. Supports lenders in collection and analysis of loan application data; guides the loan underwriting process from the time when loans requests are assigned to the time they are approved and is typically responsible for analysis of the most complex credit requests; prepares credit related reports and summaries for presentation to loan officers and/or loan committee.

Duties & Responsibilities:

1. Primarily serves as credit analyst for various lenders and independently performs detailed credit analysis of complex credit requests utilizing financial spreads to determine financial strength.

1. Evaluates business plans, projections, operating records, and financial statements.

1. Effectively communicates information and analytical results to various lenders and senior management.

1. Analyzes historical financial information and projections to determine present and future financial performance. Assesses credit situations from all relevant angles to derive appropriate credit recommendations.

1. Review and identify risks/mitigants associated with 3rd party due diligence reports including but not limited to appraisals, construction cost analysis reports, industry reports, and environmental reports such as Veracheck’s and Phase I’s.

1. Generates and compiles Credit Action Reports and Credit Memorandums to be submitted for Loan Approvals.

1. Identifies loan policy exceptions, loan pricing deviations, and strengths and weaknesses of relationships; generates and recommends risk ratings.

1. Interprets and applies Bank policies, governmental legislations, accounting theory, and/or consumer financial regulations.

1. Provides general guidance and direction to other credit analysts.

1. May participate on client calls and site inspections with loan officers.

1. Responsible for assisting with structuring complex transactions, developing credit recommendations, and determining appropriate loan covenants and reporting requirements to monitor credit risk. 

1. Performs annual reviews required for complex credit relationships.

1. Provides support to loan officers on specific loan situations and calls credit issues to their attention.

1. May assist with special projects in the Credit Administration/Lending Departments as needed. 

1. Attend and take meeting minutes for Director’s Loan Committee and Management Loan Committee meetings.

1. May assist loan officers with tracking and monitoring financial reporting ticklers and loan covenants.

1. Become proficient in all underwriting aspects of Sageworks including spreading financial statements, pulling credit reports, generating Credit Action Reports, and utilizing Sageworks Workflows to ensure underwriting turnaround times are within the Bank’s internal service standards.

General:

• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.
• Comply with all applicable OSHA safety standards, including:

• Read the workplace safety and health poster at the jobsite.
• Report hazardous conditions to your supervisor and/or HR
• Report any job-related injury or illness to your supervisor and/or HR, and seek treatment promptly.

Compliance

• Complies with all bank policies and procedures and all applicable government regulations including all applicable general lending regulations, staying current and knowledgeable of all policies, procedures and regulations related to the job functions and completing all assigned training on time, requesting additional training as needed to be proficient in all job responsibilities; cooperating with internal and external auditors and bank examiners by providing full cooperation and timely delivery of requested documentation and information; and reporting concerns about compliance to the Compliance Officer to enable prompt remediation.
• Complies with Bank policies and procedures relating to the Bank Secrecy Act (BSA), and Anti Money Laundering (AML) and Office of Foreign Asset Control (OFAC) guidance. Report suspicious activity to the BSA Department through a Suspicious Incident Report (SIR).
• Adheres to privacy and information security policies, and ensure all sensitive internal and external customer information is properly secured and safeguarded. Use secure methods delivering client and/or confidential data by email.
• Demonstrates knowledge of and adherence to Equal Employment Opportunity (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; and maintains a diverse workforce.

Qualifications:

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines

Bachelor’s degree (BA or BS) in Finance, Accounting, Business, Economics, or related field from a college or university and 5 to 7 years prior related experience and/or training in one or more of the following fields: commercial credit, accounting, financial statement preparation/analysis, or other financial analysis. In lieu of a Bachelor’s degree, a combined minimum of 7 years higher education and/or work experience in financial industry, including 5 to 7 years prior related experience and/or training in one or more of the following fields: commercial credit, accounting, financial statement preparation/analysis, or other financial analysis. 

• Proven advanced-level experience, knowledge, skills and training in lending activities, as they pertain to loan underwriting of complex commercial, consumer, construction, and real estate loans.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures
• Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
• High level problem solving skills, organizational and time management skills and ability to work independently with general to minimal supervision.
• Ability to multi-task and work on multiple requests at the same time while effectively managing work schedule and work flow in order to complete work according to established or identified deadlines.
• Attention to detail, ensures accuracy in every transaction performed with minimal to no errors, follows through on any corrections.
• Must be highly competent with advanced skills in computer operation; Microsoft suite of applications, including, word processing, spreadsheet, specialty programs, loan software programs and financial software programs. 
• Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to communicate thoughts clearly and apply common sense to carry out instructions, write reports and correspondence, speak clearly and professionally to customers and employees.  Must be able to communicate throughout the organization and to all levels of staff as well as external contacts.
• Knowledge of Bank products and services.
• Ability to deal with problems involving multiple facets and variables in non-standardized situations.
• Valid, current Driver’s License and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Working Conditions & Physical Requirements:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. 

The employee will be situated in an office type setting in which they are free to move about at will. It may include some minor annoyances such as noise, odors, drafts, etc. 

The employee in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 20 pounds), driving, carrying, sitting, pulling, walking, standing, squatting, kneeling and reaching.

The employee for this position may operate any or all of the following: telephone, cell phone, copy and fax machines, adding machine (calculator), scanner and image systems, personal computer and related printers, or other equipment as directed.

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 will be made to enable individuals with disabilities to perform the essential functions. 

Direct Reports:

No direct reports