Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.

SUMMARY

The role of the Senior Credit Analyst is to provide basic credit analysis in support of the lending function across the Bank including, but not limited to, spreading of financial statements, tax analysis, compliance monitoring, and tickler monitoring.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE

Bachelor’s degree (B. A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.
Specific college-level courses in Accounting are considered necessary to the job, including Introductory Accounting and Intermediate Accounting coursework.

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions and percentages. Ability to apply concepts of basic algebra and geometry, and interpret bar graphs.

COMPUTER & SOFTWARE SKILLS

To perform this job successfully, an individual should have basic computer skills and knowledge of Excel Spreadsheet software, MS Word, and Moody’s Financial Analysis.

OTHER SKILLS AND ABILITIES

• Good understanding of basic accounting concepts.
• Ability to multitask and change work priorities in a fast paced environment.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job.
• Reviews all incoming requests for the Credit Management Division pursuant to submitted spread or covenant compliance request for completeness.
• Assigns daily spread and covenant compliance requests to the Credit Analyst team.
• Analyzes and spreads complex business financial statements and/or tax returns using Moody’s Credit Lens.
• Compute complex covenant compliance measurements and processes Annual Term Loan Reviews as required by Business Loan Agreement or Guaranty.
• Prepares the monthly Marketable Securities Report and assists with the Month End Delinquency reports for the Board meeting.
• Uses Excel or other spreadsheet programs to complete complex personal cash flows from tax returns, personal finance statements, credit reports, and other financial information.
• Reviews business loan documentation in order to complete covenant compliance and Annual Term Loan Reviews.
• Discusses spread and covenant compliance requests and financial information with Credit Administrators, Center, and Department personnel.
• Prepares accurate, clear, and concise preliminary analysis of financial information presented, and formulates questions for review by Credit Officers and/or Credit Administrators.
• Provides high level administrative support to the Credit Management Department on an as needed basis under the direction or the Chief Credit Officer or the Deputy Chief Credit Officer.
• Provide, present, and promote the Citizens Experience to all external and internal customers.
• Other duties as assigned.

SUPERVISORY RESPONSIBILITIES

No direct supervisory responsibilities, however, the Senior Credit Analyst may assign daily tasks to the Credit Analyst team at the direction of the Credit Analyst Team Manager.