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Senior Credit Analyst
Senior Credit AnalystWilson Bank & Trust • Lebanon, TN, United States
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Senior Credit Analyst

Senior Credit Analyst

Wilson Bank & Trust • Lebanon, TN, United States
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  • [job_card.full_time]
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Senior Credit Analyst

Location : Lebanon, TN

JOB SUMMARY :

The Senior Credit Analyst provides analytical and underwriting support for commercial banking including an independent analysis of creditworthiness of customers and prospects. This position partners with the lending function to assess the risk of commercial transactions and provide thorough documentation of the transactions. The Senior Credit Analyst reports to the AVP, Credit Administration and provides excellent service and support to team members and customers while demonstrating the Company's values and supporting the mission.

JOB DUTIES AND RESPONSIBILITIES :

  • Prepare credit analyses to facilitate the credit review process for commercial loans, including new, renewal, and extension loans
  • Analyze complex commercial credits which exceed $50 million in credit exposure
  • Analyze factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment
  • Participate in customer calls with commercial lenders to assess new business opportunities
  • Partner with lending personnel, market managers and credit officers to underwrite and structure commercial loan transactions in accordance with the credit culture of the Bank
  • Manage underwriting pipeline of new and renewal requests from commercial customers
  • Consult with lending team members and provide guidance regarding the commercial underwriting process and loan policy interpretation
  • Mentor and provide guidance to Credit Analysts I and II
  • Submit credit approval documents to management for decision making
  • Verify departmental documents and activities are compliant with applicable laws, regulations, policies and procedures
  • Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks
  • Attend training as requested
  • Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act / Anti-Money Laundering Program
  • Participate in outside community activities as required
  • Perform other duties as assigned

REQUIRED QUALIFICATIONS :

  • Bachelor's degree in business, accounting, finance or related field
  • 5 years of experience in a related role
  • 5 years of banking experience preferred
  • Advanced skills with Microsoft Office to include advanced Excel skills
  • Strong ability to read, analyze, and interpret personal and business financial statements and related tax returns
  • Subject matter expertise in solving practical problems
  • Ability to apply technical knowledge and expertise to department policies and procedures
  • Ability to work on multiple projects simultaneously while accomplishing daily tasks
  • Effective verbal and written communication skills with strong presentation skills
  • Excellent interpersonal skills
  • Critical thinking and analytical skills
  • High standards for integrity, honesty, professionalism, and work ethic
  • Commitment to service excellence
  • Ability to work independently while demonstrating excellent organization and follow through
  • Demonstrate flexible and efficient time management and ability to prioritize workload
  • Ability and willingness to work with purpose and a strong sense of urgency
  • Self-motivated, positive, and enthusiastic
  • Self-starter with a strong desire to exceed expectations
  • Maintain confidentiality discretion
  • Ability to effectively work in collaboration with others to achieve business objectives
  • Willing to grow and be challenged
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