Senior Commercial Credit Analyst - C&I Lending

The Senior Commercial Credit Analyst supports current and prospective commercial banking relationships within the Commercial & Industrial Lending team. This role is responsible for preparing credit analyses and credit memos, performing financial statement and cash flow analysis, supporting underwriting and loan structuring, and completing credit risk assessment for commercial lending requests.

This position also partners closely with Portfolio Managers and Relationship Managers, supports portfolio needs, helps evaluate credit worthiness, risk rating, and collateral analysis, and provides guidance to junior analysts across the department.

DUTIES & RESPONSIBILITES

Credit Analysis & Underwriting

• Prepare detailed credit memos for new and existing commercial relationships.
• Analyze financial statements, tax returns, and related information to assess borrower performance and credit worthiness.
• Perform cash flow analysis to evaluate repayment capacity and overall financial strength.
• Support underwriting and loan structuring for commercial and commercial & industrial lending opportunities.
• Assist in evaluating and supporting risk rating accuracy based on borrower financial condition, industry performance, and transaction structure.
• Conduct credit risk assessment by reviewing leverage, liquidity, repayment sources, guarantor support, and other relevant credit factors.
• Review and assess available third-party reports, market data, and other external information to support sound credit decisions.
• Support collateral analysis by reviewing collateral information and related documentation to assess adequacy and overall risk exposure.

• Partner with Portfolio Managers and Relationship Managers to support existing client relationships and prospective commercial lending opportunities.
• Assist with commercial credit responsibilities tied to ongoing portfolio management and relationship support.
• Help identify opportunities for referrals to other business units to deepen client relationships and strengthen the Bank’s commercial banking partnerships.
• Provide high-level communication support related to commercial loan requests by coordinating with customers and internal teams as needed.

• Provide day-to-day guidance to Commercial Credit Analysts, including assigning and tracking work and assisting with workload allocation.
• Participate in the training, coaching, and mentoring of Commercial Analyst Trainees and Commercial Credit Analysts.
• Promote strong analytical standards and best practices in loan analysis, underwriting, and credit risk assessment.
• Identify process issues and recommend practical solutions involving Loan Operations, Collateral Management, and Treasury Management teams.

• Ensure work is completed in accordance with Bank policies, credit standards, and applicable regulations.
• Maintain strong attention to detail, sound judgment, and effective time management in a fast-paced environment.
• Participate in regular department meetings and support short-term and long-term planning efforts.
• Complete additional assignments and projects as designated by management.

Education

• Bachelor’s degree required.

• Minimum of one year of commercial & industrial credit analysis experience required.
• Successful completion of a formal credit training program required.
• Ability to prepare and evaluate credit analyses, credit memos, and supporting documentation related to commercial lending decisions.
• Ability to perform financial statement analysis, cash flow analysis, and overall credit risk assessment for commercial borrowers.
• Working knowledge of underwriting, loan structuring, and borrower credit worthiness evaluation.
• Ability to assess and support risk rating accuracy based on borrower financial condition, repayment capacity, and transaction structure.
• Ability to support collateral analysis and review related documentation and third-party information.

• Strong verbal communication skills with the ability to tailor messaging based on the audience and situation.
• Strong written communication skills, including the ability to prepare clear, concise, and professional emails, correspondence, and credit-related documentation.
• Ability to build effective working relationships with internal partners and maintain a constructive, solutions-focused a