Senior Commercial Credit Analyst/Credit Dept Mgr

With minimal supervision, manages the credit department staff responsible for the production of commercial and personal spreadsheets and credit analyses in support of the Commercial RM/PM Teams.  As Sr. Credit Analyst, would be available to underwrite and provide analytical support for the larger and more complex transactions. 

 

Primarily responsible for managing the timely preparation of business and personal financial statement spreads and financial analysis reports using sound accounting, analytical and loan structuring techniques for commercial lending.  Will supplement the capacity of the staff in the production of the spreads and reports.

 Responsible to insure turnaround deadlines are met, quality standards are maintained and technical proficiency levels are met.

 Develop the analytical abilities and capabilities of the staff to provide research support for industries, economic issues, and specialized lending areas.

 Provide full analytical support to Commercial Relationship and Portfolio Managers for the larger more complex transactions.

 Provide oversight and direction in the administration of Asset Based Lending credits.

 Tracking, review and monitoring of Borrowing Base Certificates and participate in face-to-face meetings with clients to explain and clarify the process.Manage the ordering and review of Field Audits and the third party resources utilized for those audits.  Recommend and implement improvements and enhancements to the ABL process.Establish and manage the process for the ordering and review of Real Estate Appraisals.Assist Credit Administrator in developing and implementing training for the RMs, PMs and analyst.

 Assist and support Credit Administrator in other administrative and ancillary duties such as:

 Problem loan workouts; management of the Watch ListPolicy and Guideline development and reviewCredit liaison to CRM Teams.Reg O Administration and BOLI credit analytical support.

 

 A bachelor?s degree in a banking related field such as finance, accounting or business administration is required.  A minimum of 5 years experience as a credit analyst and commercial lender with exposure and knowledge in Asset Based Lending and real estate appraisal review is required.  Some managerial experience and background is preferred.

 

Problem solving skills needed to find solutions to problems that are technically complex and require collection, interpretation, and analysis of data from diverse sources is required at this level.  Work requires good operational knowledge of various Bank departments.

 

Accuracy and attention to detail are required, as errors may be serious and not subject to direct verification.

 

Position requires excellent writing skills and the ability to summarize complex financial data into the written

word.  An ability to write clearly and coherently about key credit and financial issues as they relate to the credit

request is required.

 

Position requires internal and external contact to furnish and obtain information during the underwriting

process; therefore, an ability to work in a collaborative, team-oriented environment is required.  Appropriate

interpersonal skills, telephone skills, demeanor, discretion and appearance are necessary to represent the

Bank professionally and maintain a positive rapport with clients and within the Bank.

 

We offer extremely competitive salaries and incentive plans, plus superior benefits including SSB

Pension Plan and 401(k) with matching.