Senior Credit Analyst

The Credit Analyst is responsible for preparing accurate corporate financial spreads, analyzing financial statements, and underwriting commercial and other credit facilities. This role supports lending and credit leadership by developing detailed credit analysis reports used by lending officers and Credit Committees to evaluate and approve credit requests for domestic and international borrowers. The analyst will also conduct industry analysis and Country Risk analysis when exposure exists.

The position requires a strong understanding of financial analysis, credit policy, and risk assessment. The Credit Analyst is expected to study and follow the institution’s loan policies while performing their responsibilities and will cross-train with credit and finance teams to gain exposure to additional duties and processes within the department.

Principal Duties and Responsibilities:

• Prepare comprehensive credit analysis reports for lending officers and Credit Committees supporting approval or denial of credit facilities for corporations and individuals.
• Assign appropriate NAICS codes to borrower businesses and analyze the industries in which they operate.
• Verify financial reporting requirements to ensure borrower financial information meets internal credit policy standards.
• Spread financial statements and tax returns using internal financial analysis systems.
• Analyze financial ratios and trends to assess the level of risk associated with new, renewed, modified, or refinanced credit requests.
• Review comparative spreads and peer group ratios and develop conclusions regarding borrower performance and industry positioning.
• Run and evaluate credit reference reports, including Tri-Merge credit reports, D&B reports, and other relevant sources.
• Prepare Annual Credit Reviews for existing borrowers.
• Conduct background and compliance checks, including OFAC screening, public records research, and online searches.
• Request and review credit references from other lenders and available financial sources.
• For Commercial Real Estate (CRE) transactions, confirm collateral position by researching county and state records to verify lien priority.
• Prepare written credit memoranda summarizing financial analysis, risk considerations, and recommendations regarding creditworthiness.
• Develop industry and market analysis for borrowers and sectors in which credit exposure exists.
• Prepare Country Risk analysis where international exposure is present.
• Provide preliminary assessments on whether proposed or existing loans fall within established credit policy guidelines.
• Assist senior credit staff and the Chief Credit Officer with analysis, reporting, and departmental initiatives.
• Assist in organizing Credit Committee meetings and prepare meeting minutes when required.
• Prepare credit monitoring and portfolio reports for internal leadership and head-office reporting.
• Cross-train in loan documentation review and finance department functions as assigned.
• Ensure compliance with OFAC regulations, a responsibility shared by all employees.
• Support additional projects or assignments as directed by the Chief Credit Officer.

Minimum Requirements:

• Bachelor’s degree in Accounting, Finance, Statistics, or Mathematics required.
• Minimum of five (5) years of experience in financial spreading and underwriting commercial credit transactions.
• Proficiency in Microsoft Office Suite and financial spreading or credit analysis systems such as CreditLens or similar platforms.
• Strong analytical, research, and problem-solving skills, with the ability to interpret financial data and assess credit risk.
• Excellent written and verbal communication skills with the ability to prepare clear credit memoranda and reports.
• Fluency in both English and Spanish (written and spoken) required.
• The role requires sustained attention to detail, financial analysis, and documentation review, including extended periods of reading, typing, and numerical analysis.