Senior Credit Analyst

Provide exceptional credit support to the Commercial Lending team and CCO by preparing analyses and assistance in preparation of credit memo presentations.Work with Credit Portfolio Manager, Credit Manager, Credit Officer, and CCO to ensure consistent and accurate credit analysis and loan presentations.Prepare financial statement spreads and perform comprehensive analysis of cash flowEvaluate individual personal financial statements, tax returns, and prepare global cash flowsVerify compliance with credit policy, applicable regulations and lending procedures Conduct industry and market analysis to identify risks and risk mitigating factorsPrepare analysis and approval memo for moderately complex loan requests, reviews and renewals. Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.Provide support and analysis to the Special Assets Group.Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.ComplianceComply with all applicable regulations and Bank policies regarding employment and employment law.Participate in annual compliance and other job-related training.Comply with applicable bank regulations, Bank policies and procedures. Comply with Bank’s internal privacy and ethics standards.Relationships and ContactsInternal: Daily contact with senior credit analyst, commercial lenders, CCO, and loan administrative assistants; Contact with special assets group as needed.External: Frequent contact with borrowers, accountants and loan review.Education and ExperienceBA or BS in Accounting, Finance, Economics or related field required OR equivalent experienceCompletion of a formal Credit Training Program is preferredMinimum of 1 - 3 years’ experience in credit analysis Skills and CompetenciesExperience in analyzing moderately complex financial statements and tax returns.Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.Knowledge of collateral valuation methods.Exceptional verbal and written communication skills.Exceptional organization / time management skills.Proficiency with Microsoft Office and able to quickly master the bank's technology and systemsExcellent communication and interpersonal skills with the ability to interact with all levels of personnelDemonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area. Demonstrated analytical and quantitative skills, with prior knowledge of accounting principlesAn ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.Ability to interact effectively with other bank personnel across functional lines.Ability to articulate bank strategies and customer service philosophy Excellent decision-making skillsAbility to multi-task in highly demanding environmentEfficient, high quality producer, with attention to detail Good judgment & analytical skills with the ability to remain focused & work independentlyMust be able to process constructive feedback & remain even temperedAbility to drive, with a valid driver’s license, to travel between offices and/or attend sales calls and customer visits.Working ConditionsTraditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday - Friday) with operational hours of 8:00am - 5:00pm. Must be willing to travel to other Bank locations as needed.Physical DemandsPenn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.Lifting/carrying up to 10 lbs.Manual dexterity for computer workSpeaking, hearing, and vision are required to perform essential functionsEqual Employment OpportunityIt is the policy of Penn Community to provide equal employment and advancement opportunities to all individuals. For this reason, employment decisions at Penn Community will be based on merit, qualifications, and abilities. Except where required or permitted by law, employment practices will not be influenced or affected by an applicant's or Team Member's race, color, religion, sex, national origin, age, sexual orientation, physical or mental disability, veteran status, or any other characteristic protected by law.

Created: 2025-10-04