Senior Credit Analyst

This role is ideal for a credit professional with strong analytical skills, sound credit judgment, and hands-on experience underwriting complex commercial relationships within a banking environment.The ideal candidate will bring a strong background in C&I lending, while also maintaining exposure to CRE and multifamily transactions. This is a highly visible role working closely with Relationship Managers, Portfolio Managers, and senior lending leadership to structure, analyze, and support commercial loan opportunities.Key ResponsibilitiesUnderwrite and analyze new and existing commercial credit requests with a strong focus on Commercial & Industrial lendingEvaluate borrower financial performance, cash flow, leverage, collateral, guarantor strength, and overall credit riskPrepare detailed credit presentations, financial spreads, projections, covenant analysis, and sensitivity testingAnalyze supporting due diligence materials including appraisals, environmental reports, inspections, borrowing base certificates, and third-party reviewsPartner closely with Relationship Managers and Portfolio Managers to gather required information and recommend appropriate deal structuresManage multiple credit requests simultaneously while maintaining strong turnaround times and service levelsConduct annual reviews and ongoing monitoring of existing commercial relationshipsIdentify policy exceptions and ensure proper approval and documentation processes are followedMonitor and test loan covenants and borrower performance trendsParticipate in client meetings and joint calling efforts when neededAssist with mentoring junior analysts and contribute to cross-training initiatives within the departmentMaintain strong knowledge of regulatory requirements, lending policy, and credit risk standardsQualificationsBachelor's Degree in Finance, Accounting, or related fieldMinimum 5 years of recent commercial credit underwriting experience within a banking environmentStrong experience underwriting Commercial & Industrial (C&I) transactions is requiredExperience with Commercial Real Estate and Multifamily lending preferredAbility to analyze complex borrower structures and interpret financial statements with accuracyStrong written and verbal communication skillsExcellent organizational skills with the ability to prioritize multiple transactions in a fast-paced environmentProficiency with financial spreading and credit analysis toolsCandidates must be comfortable presenting sample C&I and CRE transactions during the interview processEvidence of academic preparation or related coursework may be required

Created: 2026-05-16