Job Description
Senior Credit Analyst
COMPANY PROFILE:
One of the most well-respected and prestigious locally owned and operated banks in the tristate area. They are employee owned, have a history of promoting people within, and believe in giving back to the communities they serve. Here you can enjoy a healthy family-friendly working atmosphere with one of the best benefits plans in the region.
WHAT THE COMPANY WILL OFFER YOU:
- $80,000 - $110,000-+
- Bonus
- 401k with 7% match
- ESOP profit sharing.
- Health, HSA, dental, vision, live insurance.
- Competitive vacation, sick leave, FMLA.
- Wellness package.
- Volunteer service hours.
- EAP
- Education & Tuition Reimbursement
- Great work environment.
THE ROLE YOU WILL PLAY:
- Analyze and risk-rate complex commercial, agricultural, SBA, and other credit relationships, ensuring recommendations align with lending policy, regulatory expectations, and the bank’s risk tolerance.
- Evaluate borrower and guarantor financial strength by reviewing financial statements, tax returns, credit reports, cash flow, projections, trends, and key financial ratios; summarize findings in clear credit presentations.
- Conduct annual loan reviews, monitor covenant compliance, identify credit weaknesses or policy exceptions, and recommend actions to strengthen the bank’s position and reduce risk exposure.
- Partner with lenders, credit leadership, and loan committees to address documentation issues, credit exceptions, underwriting concerns, and complex loan decisions through clear, well-supported recommendations.
- Provide guidance, mentoring, and training to less-experienced credit staff while contributing to department initiatives, committee discussions, process improvements, and special projects.
Job Requirements
BACKGROUND PROFILE:
• Bachelor’s Degree in Accounting, Finance, Business or Related Field.
• 5+ Years of Banking, Credit Review, Credit Analysis Experience
• Excellent written and verbal communication skills.
Contact:
Travis Peper
(605) 428-6149 Bac
tpeper@ercjobs.com
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