Senior Credit Analyst (Business Banking Group)

This position is primarily responsible for preparation of complex financial analysis; performs secondary, specialized analysis of complex credit/loans in excess of $2 Million; involves sensitive or critical customer accounts which substantially effect lending profits for division; completes independent analysis and makes recommendations regarding loan structure based upon findings; responsible for department's collateral and financial statement exceptions; participates in document review and loan closing; assists in market research on territories, industries, and potential customers.
Provides functional guidance to less experienced Credit Analyst and may take on a group leader role.

o Extensive knowledge and understanding of accounting and credit principles, lending functions, and loan analysis and ability to demonstrate resourcefulness in application of general credit policies
o Extensive knowledge of loan documentation, loan policy and regulations
o Extensive knowledge of the Loan Grading Process
o Excellent oral and written communications skills
o Extensive analytical skills regarding loan/credit review
o Advanced PC and spreadsheet software skills

This level of knowledge is normally acquired through completion of a Bachelor's degree and 5+ years Credit Analysis/Credit Specialist experience or 11 years equivalent work related experience.