Senior Commercial Credit Analyst Job at Robert Half (Rockland)

RPC Senior Credit Analyst

Responsible for processing credit requests and annual reviews in the Securitizat...

Location

United States Of America , NEW YORK

Salary:

150000.00 - 190000.00 USD / Year

Crédit Agricole

Expiration Date

Until further notice

Requirements

Master's degree in business / finance
5-15 years of credit experience at a bank and/or a credit rating agency
Strong ability to succinctly analyse and synthesize credit risk
Strong ability to cooperate with local and international teams
Strong ability to make presentations to Credit Committee and other constituents as needed
Strong ability to be proactive, work independently and solve problems
Strong ability to manage high workload, be flexible to changing environments
Strong ability to manage and provide guidance to junior staff
Credit analysis, financial modelling, legal documentation
Bank governance, methodologies and regulatory environment

Job Responsibility

Preparation of the second level RPC opinion, including independent analysis of the borrower, transaction structure, term sheet, financial models, etc. Review and verify risk parameters (ratings, LGD, RWA). Process Phidias/Crew
Present the risk opinion to the RPC management and the NYCC
Frequent interaction with the various Front Office teams to gather additional information concerning the client, discuss credit risk issues and mitigants, and obtain relationship profitability information and commercial support/strategy
Active coordination with RPC HO to discuss the risk opinion, communicate credit issues and trend as appropriate, and act as an information relay to the local analysts regarding any governance change impacting the credit process and analysis
Active monitoring of the sectors and portfolios covered, and communication to senior management locally and in Head Office as appropriate, participation in Early Warning meetings and SAR meetings
Contribute to the US Risk Committee, to the external and internal audit assessments (FRB, SNC, IG), Loan Review missions, assist in portfolio reviews or special projects as needed
May also be asked to analyze counterparties in different sectors depending on workloads

Fulltime

Senior Credit Analyst

We’re looking for a Senior Credit Analyst to join the Merchant Lending Credit te...

Location

Canada

Salary:

Not provided

Shopify

Expiration Date

Until further notice

Requirements

Bachelor’s degree in finance, accounting, economics, business, or a related field, or equivalent practical experience
5+ years of experience in credit analysis, underwriting, commercial lending, fintech lending, banking, or a related field
Experience evaluating small business or commercial cash advances, loans, lines of credit, or card-based products
Strong credit judgment and ownership, with the ability to make concise, defensible recommendations by synthesizing both quantitative signals and qualitative context
Ability to represent a credit perspective clearly and constructively with cross-functional partners
Demonstrated ability to drive ambiguous, cross-functional credit or operational initiatives from problem definition through implementation
Experience influencing cross-functional partners and building strong working relationships across Product, Engineering, Data Science, Compliance, or similar teams
Strong written and verbal communication skills, including the ability to explain decisions, risk tradeoffs, and recommendations to cross-functional and senior stakeholders
Comfort working in fast-moving environments where products, processes, and priorities can change quickly
Curiosity and a continuous improvement mindset, with a bias toward leaving systems and processes better than they found them

Job Responsibility

Evaluate complex merchant credit opportunities across Shopify Capital products, including loans, lines of credit, and card-based products
Review financial statements, bank statements, tax returns, and Shopify performance data to assess creditworthiness and repayment capacity of merchants
Prepare clear, well-supported application recommendations that outline key risks, mitigants, and decision rationale
Handle sensitive financial and business information with discretion, integrity, and care
Represent the credit perspective across the organization, helping teams understand risk tradeoffs and make better product, policy, and operational decisions
Partner with Product, Data Science, Engineering, Compliance, Legal, and other teams to help shape the future of Shopify Capital with a practical, merchant-centered risk lens
Identify opportunities to improve underwriting workflows, tools, decision frameworks, and quality controls, with a focus on building scalable systems

Fulltime

Senior Credit Analyst

A growing commercial banking team is seeking a Senior Credit Analyst with a clea...

Location

United States , Minneapolis

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Bachelor's degree in Finance, Accounting, Real Estate, Economics, or related field, or equivalent experience
5+ years of credit analysis or underwriting experience
Strong financial analysis and accounting skills
Proficiency in Microsoft Excel and Word
Strong written communication skills and attention to detail

Job Responsibility

Analyze commercial real estate and business loan requests, including acquisition, refinance, construction, and development transactions
Prepare detailed credit presentations assessing borrower financial strength, global cash flow, guarantor support, and repayment sources
Review and spread borrower, guarantor, and property-level financial statements and tax returns
Evaluate property cash flow, rent rolls, operating statements, and lease terms
Perform financial modeling, including DSCR, LTV, sensitivity, and stress testing
Review third-party reports such as appraisals, environmental reports, and market studies
Assess market trends, property performance, and geographic risk
Ensure compliance with credit policy and regulatory requirements
Support portfolio monitoring, annual reviews, covenant tracking, and risk rating updates

What we offer

medical
vision
dental
life and disability insurance
401(k) plan

Fulltime

Senior Credit Analyst - VP

The Senior Credit Analyst is a strategic professional who stays abreast of devel...

Location

Netherlands , Amsterdam

Salary:

88461.54 - 141538.46 EUR / Year

Citi

Expiration Date

Until further notice

Requirements

6-10 years previous credit experience
Prior experience working in a regulatory and compliance policy environment
Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
including complicated business structures with foreign subsidiaries and/or parent organizations
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Experience in handling complex credit transactions (M&A, Leverage Lending, Large Syndications)
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Effective inter-personal and written/verbal communication skills
Thorough problem credit recognition and resolution skills
Pro-active disposition with ability to work autonomously and within a team

Job Responsibility

Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Citi’s policies, applying sound ethical judgment regarding personal behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Prepare a detailed written credit summary of commercial applicants requesting credit by analysing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements
Perform industry and geographical research and other due diligence as needed
Maintain a solid understanding of Citibank products and services - within Commercial Banking and the broader organization
Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure the business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors
Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
Work with management team on prioritization and implementation of approved actions

Fulltime

Senior Credit Analyst

Are you a data-driven Credit professional who thrives in a high-volume, high-imp...

Location

United States , Oak Brook

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Credit/Collections experience, specifically within a mid-market or enterprise-level company (high revenue volume)
Strong ability to interpret financial statements and market data to assess risk
Proven track record of building positive relationships with internal stakeholders and external customers
Proficiency in ERP systems (e.g., SAP, Oracle, JD Edwards) and advanced Excel
A self-starter who identifies issues before they become problems and is motivated by professional advancement
Minimum of 2 years of experience in credit analysis or a related field
Proficiency in commercial credit and collections processes
Strong customer service skills with the ability to resolve disputes professionally
Advanced analytical abilities to interpret data and identify trends
Familiarity with credit applications and account reconciliation

Job Responsibility

Monitor daily aging reports to prioritize and address delinquent accounts, ensuring aggressive collection targets are consistently met
Analyze customer financial standing, market presence, and credit risk to provide high-level recommendations for credit limits and terms
Reconcile past-due balances and collaborate with sales and customers to resolve complex billing disputes
Conduct root-cause analysis to reduce billing exceptions and identify trends that impact cash flow
Review credit holds and approve order releases in strict alignment with company policy
identify and recommend bad debt write-offs for managerial approval
Generate monthly and ad-hoc reports to provide leadership with insights into collection trends and portfolio health

What we offer

insurance
401K
vacation and holiday pay
medical
vision
dental
life and disability insurance
free online training

Senior Credit Analyst

Are you a data-driven Credit professional who thrives in a high-volume, high-imp...

Location

United States , Oak Brook

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Credit/Collections experience, specifically within a mid-market or enterprise-level company (high revenue volume)
Strong ability to interpret financial statements and market data to assess risk
Proven track record of building positive relationships with internal stakeholders and external customers
Proficiency in ERP systems (e.g., SAP, Oracle, JD Edwards) and advanced Excel
A self-starter who identifies issues before they become problems and is motivated by professional advancement
Minimum of 2 years of experience in credit analysis or a related field
Proficiency in commercial credit and collections processes
Strong customer service skills with the ability to resolve disputes professionally
Advanced analytical abilities to interpret data and identify trends
Familiarity with credit applications and account reconciliation

Job Responsibility

Monitor daily aging reports to prioritize and address delinquent accounts, ensuring aggressive collection targets are consistently met
Analyze customer financial standing, market presence, and credit risk to provide high-level recommendations for credit limits and terms
Reconcile past-due balances and collaborate with sales and customers to resolve complex billing disputes
Conduct root-cause analysis to reduce billing exceptions and identify trends that impact cash flow
Review credit holds and approve order releases in strict alignment with company policy
identify and recommend bad debt write-offs for managerial approval
Generate monthly and ad-hoc reports to provide leadership with insights into collection trends and portfolio health

What we offer

insurance, 401K, vacation and holiday pay

Senior Credit Analyst

This Senior Credit Analyst role is essential in managing credit risk while ensur...

Location

United States , Lincoln Park

Salary:

100000.00 - 125000.00 USD / Year

Robert Half

Expiration Date

Until further notice

Requirements

Bachelor’s degree in Finance or Accounting is required
At least 5 years of experience in commercial credit, preferably in the petroleum industry
Strong skills in financial statement analysis with exceptional attention to detail
Ability to perform effectively in a fast-paced environment
Excellent communication and interpersonal skills with a results-driven attitude and high integrity
Proficiency in Microsoft Excel and other applications like Outlook, Word, and PowerPoint

Job Responsibility

Manage a portfolio of high-profile accounts by monitoring and controlling credit exposures effectively
Analyze credit data and financial statements of customers to assess creditworthiness and determine credit limits
Negotiate and secure appropriate credit instruments such as guarantees, letters of credit, and collateral to reduce financial risk
Collaborate with internal teams, including Commercial, Contracts Administration, and Legal, to ensure accuracy in transactional documents and contracts
Identify opportunities to improve cash flow and address delinquent accounts promptly through regular portfolio reviews
Resolve disputes by working closely with counterparties and internal departments like Customer Care, Billing, and Cash Application
Evaluate changes in customer creditworthiness and financial standing to align credit capacity with potential sales volumes
Prepare periodic reports to support daily credit evaluations and provide insights for management planning
Forecast credit exposures based on anticipated product movements and ensure compliance with credit requirements
Continuously improve credit processes by proposing enhancements to risk mitigation, internal controls, and cash flow strategies

What we offer

medical, vision, dental, and life and disability insurance
eligible to enroll in our company 401(k) plan
free online training

Senior Credit Analyst

Formic is on a mission to reshape American manufacturing by making automation ac...

Location

United States , Woodridge, IL

Salary:

95000.00 - 145000.00 USD / Year

Formic

Expiration Date

Until further notice

Requirements

5+ years of experience in commercial credit, underwriting, equipment finance, or asset-based lending
Direct experience underwriting SMB or mid-market manufacturing companies
Strong understanding of financial statements, cash flow analysis, and asset-heavy business models
Experience structuring credit exposure and negotiating commercial terms
Ability to make independent, well-reasoned credit decisions
Strong communication skills and comfort partnering with Sales and cross-functional stakeholders

Job Responsibility

Evaluate financial statements, cash flow profiles, leverage, and working capital trends for SMB and mid-market companies
Assign internal risk ratings and recommend appropriate exposure thresholds
Structure commercial terms aligned to customer risk profile and portfolio objectives
Partner with Sales to support timely deal execution while maintaining underwriting discipline
Coordinate with Legal and Finance to ensure commercial terms align with Formic’s risk posture
Monitor portfolio performance and identify early warning indicators
Maintain clear documentation of underwriting decisions and supporting analysis
Contribute to refinement of underwriting tools, frameworks, and internal processes

What we offer

Equity in Formic
Competitive & Uncapped Commission Structure
Comprehensive Healthcare Coverage
Additional Insurance Benefits
Employee Assistance Program (EAP)
Paid Parental Leave Program
Company-sponsored 401(k)
Home Office Stipend
Monthly Cell Phone Reimbursement
Flexible Time Off

Fulltime

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Senior Commercial Credit Analyst

Job Description

Job Responsibility

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What we offer

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