Senior Credit Analyst

Job description:

• 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 flow
  • Evaluate individual personal financial statements, tax returns, and prepare global cash flows
  • Verify compliance with credit policy, applicable regulations and lending procedures
  • Conduct industry and market analysis to identify risks and risk mitigating factors
• Prepare 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.

Compliance

• Comply 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 Contacts

Internal: 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 Experience

• BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience
• Completion of a formal Credit Training Program is preferred
• Minimum of 1 - 3 years' experience in credit analysis

Skills and Competencies

• Experience 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 systems
• Excellent communication and interpersonal skills with the ability to interact with all levels of personnel
• Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
• Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
• An 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 skills
• Ability to multi-task in highly demanding environment
• Efficient, high quality producer, with attention to detail
• Good judgment & analytical skills with the ability to remain focused & work independently
• Must be able to process constructive feedback & remain even tempered
• Ability to drive, with a valid driver's license, to travel between offices and/or attend sales calls and customer visits.

Working Conditions

Traditional 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.

Penn community Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.