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Senior Credit Analyst
- Miamisburg, Ohio
- Job Type
- 19 May 2023
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The Senior Credit Analyst will perform credit analysis, including Loan Presentations and Loan Reviews, for the largest and most complex of the Bank's commercial/business credits. This position will be responsible for reviewing, analyzing and written assessments of the asset quality of individual risk exposures and overall composite asset quality. In addition, the senior credit analyst will be expected to trend risk and credit risk management practices.
Description of Duties, Responsibilities and Expectations:
Display detailed knowledge of principals of commercial credit, commercial banking laws, bank policy, cost accounting and, financial analysis.
Create thorough and concise analyses of the risks and mitigates of complex commercial loan requests by reviewing and analyzing the borrower's financial statements, including but not limited to income statements, cash flow statements, balance sheets, tax returns, personal financial statements, and collateral appraisal reports.
Prepare sensitivity analyses, cash flows, and assessments of collateral guarantor financial condition.
Conduct analysis of the market (customers) and industry (competition, suppliers, and potential new entrants) and management teams.
Participate in the ongoing development of commercial credit policies and procedures that safeguard the Bank.
Recommend alternative loan structures
May oversee the completion of projects including planning; assigning, monitoring and reviewing progress and accuracy of work; evaluating results, etc.
Know and understand Bank/Credit policies and procedures.
Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes.
To spread the borrowers' financial statement information by use of appropriate software programs. To review financial analysis reports and act as the technical resource for the use of the credit software program.
Understand new and pending laws and regulations that affects the organization's credit practices.
Recommend risk grade changes.
To provide and maintain reporting requirements on Bank customers' credit obligations.
Serve as mentor for Interns and Analyst Interns.
Complete Loan Reviews as directed by Lead Loan Review Analyst or Credit Administration Manager.
Qualifications, Knowledge and Skills:
Five to Seven years of commercial underwriting experience (CRE/C&I).
Bachelor's Degree. Business, finance, accounting major preferred, other majors with a business minor also acceptable; or equivalent experience.
Knowledge of banking industry practices relative to commercial banking.
Proven superior analytical skills
Strong negotiating skills
Strong written, verbal and interpersonal skills; ability to maintain confidentiality of information, as appropriate.
Understanding of the components of the most complex financial statements and personal/corporate tax returns.
Proficiency with Microsoft Office products (Word, Excel, Access, Power Point, etc.) and financial statement spreading software is required.
A high level of initiative, thoroughness, accuracy and organizational skills required.
Detail oriented with effective judgment and time management.
Ability to work well independently.
Ability to coach and develop others.
Ability to provide feedback/train new credit analysts.
Ability to plan and conduct special projects or assignments.
Work involves eye strain due to the frequent use of computer screens, reading of reports, entering information into a spreadsheet, and so forth.
Work involves sitting the majority of the day.
Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.
Work involves lifting and moving loan files of up to 15 lbs.
Work involves some travel, independently and with loan officers, to consult on financial loan information, training, meetings and so forth.
This Position Description is not a complete statement of all duties and responsibilities comprising this position.Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.
Pay Transparency Nondiscrimination Provision: Opportunity Employer EEOC M/F/D/V
- Job Reference: 1010169248-2
- Date Posted: 19 May 2023
- Recruiter: CIVISTA BANK
- Location: Miamisburg, Ohio
- Salary: On Application
- Sector: Accounting
- Job Type: Permanent