Senior Credit Analyst
J
JobgetherCommercial Banking
Based in the United States, U.S. time zonesFull-TimeSenior
Salary$33–$50 per hour
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Job Details
- Experience
- Minimum of 5 years of direct credit analysis and commercial underwriting experience
- Required Skills
- Microsoft ExcelFinancial analysisRisk Management
Requirements
- Bachelor’s degree in Business, Finance, Accounting, or related discipline.
- Minimum 5 years of direct credit analysis and commercial underwriting experience.
- Strong financial analysis capabilities including cash-flow and ratio analysis.
- Deep familiarity with commercial loan documentation and third-party reports (appraisals, environmental, title).
- Strong knowledge of commercial lending practices and relevant state and federal regulations.
- Proficiency with Microsoft Office (Excel, Word, Outlook, PowerPoint).
- Excellent communication and interpersonal skills.
- Ability to work independently in a remote environment.
- Formal commercial credit analysis training (e.g., ABA, Moody’s, RMA) is preferred.
- Experience with nCino or comparable loan origination platforms is preferred.
- Community banking or credit union experience is advantageous.
Responsibilities
- Prepare comprehensive credit memorandums and supporting documentation for commercial loan approval.
- Review borrower and guarantor documentation for compliance with internal policies and loan terms.
- Analyze financial statements, cash flow, ratios, and industry trends.
- Evaluate pledged collateral and interpret third-party reports such as appraisals and environmental reports.
- Partner with credit leadership on commercial loan portfolio management.
- Refine lending policies, reporting, and tracking tools to improve efficiency and automation.
- Coordinate annual term loan reviews and monitor covenant compliance.
- Mentor junior team members and collaborate across departments.
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