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We are seeking a seasoned Senior Commercial Credit Analyst to perform in‑depth credit analysis on new and existing commercial loan relationships, support annual reviews and renewals, recommend loan structures, and mentor junior analysts. This role partners closely with lenders, customers, and internal teams to ensure high-quality underwriting and portfolio management.
Job Responsibility:
Analyze financial statements, cash flow, management, and business cycles to assess credit risk
Underwrite mid-size to large commercial loans, including C& I, CRE, and working capital lines
Prepare detailed credit memoranda and ensure compliance with regulations and bank policies
Manage annual reviews, renewals, loan modifications, and financial tracking for existing portfolios
Recommend loan structures and terms to minimize risk and protect bank capital
Review appraisals and complete property evaluations up to $250,000
Collaborate with customers, loan officers, and operations to resolve credit questions
Mentor junior analysts to strengthen analytical and underwriting capabilities
Represent the Bank at industry and community events
Complete all required training and maintain policy compliance
Requirements:
5+ years of commercial credit or banking experience
Knowledge of appraisal standards and environmental regulations