Senior Commercial Credit Analyst Job Description

The Senior Commercial Credit Analyst job description is comprehensive and provides a clear understanding of the role’s responsibilities. It highlights the essential skills required, such as credit analysis, risk management, and compliance. The job description also highlights the importance of experience in commercial lending and credit analysis, making it ideal for hiring an experienced candidate.

To customize the job description, consider adding company-specific details such as industry-specific experience or preferred software systems. Additionally, think about the soft skills required for success in the role such as communication or teamwork. By customizing the job description to fit your needs, you can attract candidates who align with your company’s culture and specific requirements.

Job Description Brief :

We are looking for an experienced Senior Commercial Credit Analyst to join our team. Reporting directly to the head of lending, the Senior Commercial Credit Analyst will be responsible for assessing the creditworthiness of commercial loan applications and minimizing risk across our loan portfolio. The ideal candidate must have a proven track record in commercial lending and credit analysis.

Key Responsibilities :

– Conduct thorough credit analysis of loan applications, including reviewing financial statements, credit reports, and other relevant information.

– Assess risks associated with each commercial loan application and make recommendations accordingly.

– Evaluate loan requests to ensure compliance with lending policies and regulations.

– Monitor borrowers for changes in creditworthiness and recommend risk mitigation strategies.

– Collaborate with the sales team to develop new business and identify opportunities for growth.

– Ensure timely and accurate delivery of credit decisions.

– Audit internal credit models and make recommendations accordingly.

– Participate in portfolio management activities, including risk assessments and monitoring.

– Prepare reports on loan portfolio performance and other key performance indicators.

– Maintain accurate records of all credit analysis activities.

Required Qualifications and Skills :

– Bachelor’s degree in finance, accounting, or a related field.

– Minimum of 5 years experience in commercial lending and credit analysis.

– Comprehensive knowledge of lending policies and regulatory compliance.

– Strong analytical and problem-solving skills.

– Excellent communication and interpersonal skills.

– Demonstrated ability to work well in a team environment.

– Strong attention to detail and ability to manage multiple tasks.

– Proficient in Microsoft Office Suite and other relevant software systems.

– Ability to work with confidential information.

– Flexibility and willingness to adapt to changing priorities.

Education and Experience Requirements :

– Bachelor’s degree in finance, accounting, or a related field.

– Minimum of 5 years experience in commercial lending and credit analysis.

Physical Requirements :

– This position does not have specific physical requirements.

Work Schedule and Conditions :

– This is a full-time position with a regular schedule of Monday through Friday, 8 am-5 pm.

– Work may be performed in an office or remote environment, depending on the needs of the organization.

Compensation and Benefits :

– Salary commensurate with experience.

– Comprehensive benefits package, including health, dental, and vision insurance, 401(k) plan, and paid time off.

Company Culture and Values :

– Our company values teamwork, honesty, and integrity in everything we do.

– We are committed to providing exceptional service to our customers and making a difference in our community.

Career Advancement Opportunities :

– The Senior Commercial Credit Analyst has opportunities to advance to leadership roles within the lending department or contribute in other areas of the organization.

Application Process and Contact Information :

– To apply for this position, please submit your resume and cover letter to [insert contact information here]. 

– Candidates who meet our qualifications will be contacted to schedule an interview.