Senior Credit Analyst

We have an opportunity to join a growing CRE and C&I team here in the Cities!

The Senior Credit Analyst plays a critical role in supporting the bank's lending operations by conducting comprehensive financial evaluations of individuals and businesses seeking credit. This position focuses on larger, more complex lending transactions requiring advanced analytical expertise and strategic insight.

• Analyze and evaluate loan applications for complex transactions, including review of financial statements, appraisals, title insurance, and supporting documentation
• Collaborate with lenders throughout the loan closing process to ensure seamless execution
• Provide mentorship and guidance to junior Credit Analysts, fostering professional development
• Identify and analyze historical trends in business performance and market conditions
• Develop detailed spreadsheets, financial reports, and strategic recommendations on loan structure and pricing
• Conduct on-site property inspections to verify accuracy and condition
• Assess and assign risk ratings to support informed lending decisions
• Prepare comprehensive annual reviews of existing loan portfolios
• Create detailed credit presentations for the approval process, incorporating cash flow analysis, performance forecasting, industry trend evaluation, and loan performance history
• Maintain accurate and organized records for all lending clients and accounts
• Support department managers with special projects focused on risk management within the lending function
• Stay current on lending software systems, regulatory compliance requirements, and departmental procedures
• Partner with lenders to build and maintain strong client relationships through responsive communication and timely resolution of inquiries
• Ensure full compliance with bank policies, procedures, security protocols, and government regulations, including Bank Secrecy Act (BSA) requirements

• Bachelor's degree in Finance, Economics, Business, or related field
• Minimum 2 years of experience in Commercial & Industrial (C&I) and/or Commercial Real Estate lending
• Exceptional analytical and critical reasoning abilities
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
• Strong written, verbal, and interpersonal communication skills

Professional office setting