Job Title: Senior Credit Analyst Department: Lending

Reports To: Chief Credit Officer FLSA Status: Exempt

SUMMARY:

Perform underwriting of loan requests and annual reviews. Assess and authorize credit limits and monitor credit risk. Provide analysis of customer financial statements. Ensure all data entry is accurate and complete.

RESPONSIBILITIES:

Assess credit and produce recommendations based on a variety of eligibility factors, including careful analysis of a client’s financial information, such as income statements, tax forms, cash flow history, and current debt.
Assign credit requests a rating based on the assessment of the probability of default by the client, determining risk to the lender to provide a final recommendation.
Work closely with loan officers to inform them about loan policy and the results of the risk assessment.
Verify information and perform additional research on clients' financial history and future.
Evaluate past due accounts and manage collections after loan approval.
Assess collateral values and credit risk, preparing written credit approval packages and/or denial correspondence.
Provide quantitative and qualitative analysis of applicant requests for loans and lines of credit.

REQUIREMENTS:

Bachelor’s degree in finance, accounting, or a related field.
Previous experience as a banking Commercial Credit Analyst with 3+ years’ experience working with credit or loan evaluation preferred.
Ability to work independently on credit evaluations.
Customer service experience with both internal and external clients.

May assume other responsibilities and/or requirements as business objectives impose.

First Independence Bank is an Equal Employment Opportunity Employer.

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First Independence Bank

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