Senior Credit Analyst

Salary Range: 95000 to 120000 (Currency: USD) (Pay period: per-year-salary)

What You'll Do

• Analyze complex financial statements, tax returns, and other financial documents to evaluate the creditworthiness of commercial loan applicants.
• Independently review the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage.
• Provide guidance and support to junior credit analysts, fostering their professional development.
• Identify credit risks associated with commercial loan applicants.
• Prepare credit reports summarizing findings and underwriting recommendations for large commercial loan decisions.
• Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information.
• Present and defend credit proposals to the Credit Committee, offering well-supported recommendations for loan approvals, modifications, or declines.
• Make underwriting recommendations based on established criteria and policies.
• Assess the impact of the guarantor on the company’s ability to service debt.

What You'll Bring

• A Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field.
• Six to eight years of experience in finance, banking, accounting, underwriting, or a similar analytical environment.
• A solid understanding of GAAP accounting principles and the ability to dissect financial statements and business bank statements.
• Profound knowledge of the U.S. small business lending landscape, including insights into various industry risk segments.
• Exceptional organizational, communication, and time management skills.
• Proficiency in all Microsoft Office products, G-Suite, and the capability to swiftly learn new programs and CRM systems.
• Superior critical thinking, mathematical, and analytical skills.
• The capacity to make complex decisions under pressure in a fast-paced setting.
• A cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.

Why You'll Love It Here

• You will take meaningful ownership of underwriting decisions that directly impact portfolio performance.
• You will deepen your technical expertise while strengthening your independent judgment.
• You will work alongside experienced credit professionals in a collaborative, accountable environment.
• You will continue building a clear path toward further expert underwriting or leadership opportunities.

We Offer

• Comprehensive medical, vision and dental benefits that give you peace of mind.
• Hybrid work schedule allowing you to split your week between coming into the office and working remotely from home.
• Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.
• A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.
• Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.
• Paid parental leave to support new and expecting parents, helping offset time away from work as you welcome and care for your growing family. 
• A gym membership contribution that supports your well-being, and helps you stay energized and focused.
• An internal referral program that rewards you for bringing talented people to the team.
• Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.