Senior Commercial Credit Analyst
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Job Location:
Martinsville, IL - USA
Monthly Salary:
Not Disclosed
Posted on:
11 hours ago
Vacancies:
1 Vacancy
Job Summary
SUMMARY
The Senior Commercial Credit Analyst is responsible for credit underwriting portfolio management and risk analysis across the banks commercial loan portfolio. This position provides subjectmatter expertise in credit policy supports complex commercial lending opportunities and contributes to strategic portfolio quality and growth. The Senior Commercial Credit Analyst leads the completion of highquality credit analyses and serves as a key resource to lenders and junior analysts. Responsibilities include ensuring that all credit decisions and processes adhere to regulatory requirements and policies established by the Board of Directors.
ESSENTIAL FUNCTIONS
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Conducting credit analyses and underwriting of new and existing credit transactions
- Ensure credit structures appropriately balance risk collateral and pricing while meeting bank policy and regulatory standards.
- Oversee portfolio monitoring activities ensuring timely financial reporting covenant tracking and identification of emerging risks.
- Lead the annual review process for assigned segments of the commercial portfolio ensuring accuracy and completeness.
- Provide recommendations for risk rating changes corrective actions or workout strategies when needed.
- Support credit administration by maintaining accurate and comprehensive credit files and documentation.
- Ensure adherence to all internal policies loan documentation standards and regulatory requirements.
- Provide expertise on commercial loan documentation collateral requirements and lien perfection.
- Maintain independence and objectivity in all credit evaluations and recommendations.
- Support loan audits and regulatory examinations by providing accurate wellsupported credit information.
COMPETENCIES
Communicating
- Communicates in a straightforward and assertive fashion
- Updates relevant people with timely information
- Listens carefully to what others are saying
- Respects and considers all opinions even counter-opinions
Demonstrating Integrity
- Assumes responsibility for mistakes and failures
- Demonstrates consistency between what is said and what is done
- Behaves according to sound ethical and legal standards
Working with Others
- Is respectful of others
- Balances individual goals with team goals
- Builds and maintains productive relationships with people throughout the organization
Lending with Prudence
- Learns about each customers unique financial situation
- Learns about each customers credit and ability to repay their loans
- Follows the banks lending policies and procedures
- Ensures that the bank makes prudent lending decisions
- Ensures compliance with all relevant laws and regulations
Representing the Bank
- Answers customer questions and fully addresses their concerns
- Manages difficult customer situations and treats others with respect
- Maintains a neat and professional appearance
- Maintains an overall knowledge of the banks products and services
- Cross-sells the banks products and services to its customers and prospects
Adapting to Change
- Maintains composure in frustrating situations
- Demonstrates flexibility in working with others
Professional Excellence
- Demonstrates a consistently high level of professional judgement
- Maintains independence and objectivity in carrying out job responsibilities
- Effectively presents loans and their rationale to the appropriate committees
SUPERVISORY RESPONSIBILITIES
This position requires supervisory responsibilities.
POSITION TYPE
This is a full-time position. Days and hours of work are Monday through Friday 8:30am to 5pm. This position may require long hours and weekend work.
TRAVEL
Travel is primarily local and during the business day
REQUIRED EDUCATION AND EXPERIENCE
- Bachelors degree in finance accounting business or related field preferred.
- Minimum 35 years of commercial credit underwriting or related banking experience preferred.
- Strong financial analysis accounting and risk assessment skills.
- Ability to manage multiple complex assignments with accuracy and attention to detail.
- Excellent communication skills and ability to collaborate effectively with lenders and leadership.
- Strong computer proficiency in financial analysis tools credit systems and Microsoft Office applications.
OTHER DUTIES
Please note this job description is not designed to cover or contain a comprehensive listing of activities duties or responsibilities that are required of the employee for this job. Duties responsibilities and activities may change at any time with or without notice.
Required Experience:
Senior IC
