Senior Credit Analyst

Position Summary

The Credit Department of TBK Bank, SSB seeks a Senior Credit Analyst whose responsibilities include: (i) underwriting credit approval requests for both prospective and existing clients; (ii) working with lending units to ensure ability to accurately evaluate and act on credit applications in a timely manner; (iii) performing ongoing monitoring on existing credits to assist TBK Bank in assessing the quality of the loan portfolio. 

Essential Duties & Responsibilities

• Utilize bank resources and available training to continue to build upon core credit fundamentals and cultivate competencies in complex credit topics.

• Obtain and analyze financial, credit and collateral data to evaluate the creditworthiness of prospective and existing customers, particularly larger and complex C&I and CRE opportunities.

• Review incoming financial statements on existing customers, updating financial spreads and communicating any concerns with the team lead or credit leadership.

• Analyze financial information received from borrowers and other sources, such as reporting services, credit bureaus, industry data and current credit files to assess credit risk of lending relationships.

• Work collaboratively with loan officers on loan requests in order to facilitate the approval or declination of credit applications.

• Ensure open communication and collaborative efforts exist between the lending teams and the credit staff by clearly communicating progress and/or needs in a timely and precise manner.

• Support loan and credit facility production staff in preparation of written credit proposals and presentation to various credit committees or approvers.

• Ensure that all transactions either conform to the loan policy or ensure that all policy exceptions are disclosed in the credit proposal.

• Ensure existing credit relationships adhere to loan covenants and conditions and that required information is obtained in a timely manner.

• From time to time, support the development of junior analysts to enhance core competencies within the department.

• Perform other duties as assigned.

Experience & Education

• Bachelor’s degree is required, with a major in Accounting, Finance or Economics preferred.

• Generally over 5 years of experience in commercial credit underwriting.

Skills & Abilities Required

• Ability to independently underwrite large/complex credit transaction.

• Strong financial statement analysis and writing skills.

Work Environment

The work environment characteristics described here may be encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e. business office with computers, phone, and printers, light traffic).

• Ability to work in a confined area.

• Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary.

• While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone.

• Specific vision abilities are required by this job due to computer work.

• Light to moderate lifting is required.

• Regular, predictable attendance is required.

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