Senior Credit Analyst

Senior Credit Analyst

The Senior Credit Analyst evaluates the financial strength and creditworthiness of commercial borrowers and other applicants seeking financing. This position is responsible for conducting detailed financial analysis, underwriting new and existing credit relationships, and preparing comprehensive credit assessments for lending and committee review. The role also includes monitoring international country risk associated with the Bank's lending exposure and ensuring all recommendations align with established credit policies and procedures.

The analyst is expected to maintain a strong understanding of the Bank's underwriting standards, stay current with internal lending guidelines, and collaborate with colleagues across the Credit and Finance departments. Cross-training and supporting additional departmental functions may also be required.

Key Responsibilities

• Prepare detailed underwriting assessments and credit recommendations for commercial and individual borrowers, supporting lending decisions by relationship managers and credit approval committees.
• Review borrower operations and assign appropriate industry classifications to support an understanding of business activities and sector-specific risks.
• Evaluate the quality and reliability of submitted financial information to ensure it meets the Bank's documentation and audit requirements.
• Input and analyze financial statements, tax returns, and supporting documentation using the Bank's designated financial spreading systems.
• Perform in-depth financial analysis, including liquidity, leverage, profitability, cash flow, and debt service capacity, to assess repayment ability and overall credit risk.
• Evaluate new financing requests, renewals, extensions, modifications, and refinancing transactions.
• Compare borrower performance against historical results and relevant industry benchmarks, identifying trends and potential areas of concern.
• Obtain and interpret commercial credit reports, personal credit reports, business information, and other third-party financial references.
• Conduct periodic credit reviews to monitor existing lending relationships and identify changes in borrower risk profiles.
• Perform due diligence using public records, sanctions screening databases, background checks, and other available research sources.
• Request and assess banking references and other external information to supplement the credit evaluation process.
• For commercial real estate transactions, investigate public property and lien records to verify collateral standing and identify potential competing claims.
• Develop written credit presentations that clearly summarize financial findings, identify material risks, and provide objective conclusions regarding the borrower's creditworthiness.
• Research and prepare country risk assessments for international markets in which the Bank maintains lending exposure.
• Ensure all underwriting activities and credit recommendations are consistent with internal policies, regulatory expectations, and established risk management practices.