Sr Commercial Credit Analyst (C&I)

Job Overview :

This position primarily focuses on conducting credit analysis for commercial and industrial (C&I) loans, with occasional involvement in commercial real estate (CRE) loans. The role involves performing in-depth credit assessments, reviewing financial data, and determining the creditworthiness of commercial clients. The individual will prepare detailed credit memorandums and loan packages for presentation to loan officers or committees. Additional duties include providing guidance to junior credit analysts and offering support to loan officers. The role also includes performing annual reviews of existing loan files and assigning appropriate risk ratings. Participation in special projects and assisting loan officers as needed is expected.

Key Responsibilities :

• Collects and analyzes credit data to assist lending officers or committees in making informed decisions about new, renewed, or extended loans.
• Reviews relevant credit and financial information.
• Analyzes financial statements and associated documents.
• Prepares credit memorandums and evaluates creditworthiness.
• Investigates credit and financial data from various sources and reviews agency reports.
• Uses financial statement analysis tools to assess debt service and borrower / guarantor repayment ability.
• Ensures compliance with all financial covenants and conditions.
• Confirms the loan meets all internal policies and regulatory requirements.
• Performs annual credit file reviews, assessing cash flow trends, conducting stress tests, and analyzing industry factors to identify any potential concerns or the need for risk rating adjustments.
• Reports risk rating recommendations, providing clear justifications.
• Supports loan officers in client meetings as needed, preparing talking points related to the customer's business operations.
• Contributes to the training and development of junior credit analysts.

Qualifications :