Senior Credit Analyst

POSITION SUMMARY

The Senior Credit Analyst is an expert individual contributor responsible for independently analyzing complex commercial credit relationships, preparing high-quality credit presentations, identifying portfolio risk themes, and serving as a technical credit resource to bankers and analysts. The position applies advanced commercial credit judgment, strong policy discipline, and portfolio perspective to support sound lending decisions, consistent risk-rating practices, audit-ready documentation, and effective credit monitoring for complex or high-impact relationships.

ESSENTIAL FUNCTIONS

* Credit & Financial Acumen + Analyze complex commercial relationships, including multi-entity borrowers, global cash flow, guarantor analysis, collateral coverage, covenant capacity, industry risks, sensitivity scenarios, and repayment sources. + Prepare high-quality credit presentations, underwriting analyses, annual reviews, renewals, modifications, criticized/classified credit support, and risk-rating recommendations for complex or higher-impact relationships. + Evaluate borrower performance, market and industry conditions, collateral trends, policy exceptions, covenant structure, and monitoring plans to develop well-supported credit conclusions. + Partner with lenders and credit leaders on transaction structure, risk mitigation, recommended conditions, covenants, reporting requirements, and alternative structures when appropriate. + Identify portfolio-level themes or emerging credit risks and communicate observations that support credit quality, portfolio monitoring, and management reporting. + Prepare clear, concise, and well-supported credit memorandums that connect borrower performance, cash flow, collateral position, loan structure, risk rating, and potential portfolio impact, while identifying risk mitigation strategies and structuring alternatives that support sound lending decisions. * Credit Administration + Ser