Senior Credit Analyst

This role is ideal for a credit professional with strong analytical skills, sound credit judgment, and hands-on experience underwriting complex commercial relationships within a banking environment.

The ideal candidate will bring a strong background in C&I lending, while also maintaining exposure to CRE and multifamily transactions. This is a highly visible role working closely with Relationship Managers, Portfolio Managers, and senior lending leadership to structure, analyze, and support commercial loan opportunities.

Key Responsibilities

  • Underwrite and analyze new and existing commercial credit requests with a strong focus on Commercial & Industrial lending
  • Evaluate borrower financial performance, cash flow, leverage, collateral, guarantor strength, and overall credit risk
  • Prepare detailed credit presentations, financial spreads, projections, covenant analysis, and sensitivity testing
  • Analyze supporting due diligence materials including appraisals, environmental reports, inspections, borrowing base certificates, and third-party reviews
  • Partner closely with Relationship Managers and Portfolio Managers to gather required information and recommend appropriate deal structures
  • Manage multiple credit requests simultaneously while maintaining strong turnaround times and service levels
  • Conduct annual reviews and ongoing monitoring of existing commercial relationships
  • Identify policy exceptions and ensure proper approval and documentation processes are followed
  • Monitor and test loan covenants and borrower performance trends
  • Participate in client meetings and joint calling efforts when needed
  • Assist with mentoring junior analysts and contribute to cross-training initiatives within the department
  • Maintain strong knowledge of regulatory requirements, lending policy, and credit risk standards
Qualifications
  • Bachelor’s Degree in Finance, Accounting, or related field
  • Minimum 5 years of recent commercial credit underwriting experience within a banking environment
  • Strong experience underwriting Commercial & Industrial (C&I) transactions is required
  • Experience with Commercial Real Estate and Multifamily lending preferred
  • Ability to analyze complex borrower structures and interpret financial statements with accuracy
  • Strong written and verbal communication skills
  • Excellent organizational skills with the ability to prioritize multiple transactions in a fast-paced environment
  • Proficiency with financial spreading and credit analysis tools
  • Candidates must be comfortable presenting sample C&I and CRE transactions during the interview process
  • Evidence of academic preparation or related coursework may be required
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