We are seeking an experienced Senior Credit Analyst to support commercial credit underwriting and risk assessment within a financial services organization. This individual will evaluate complex commercial credit requests, analyze borrower financial performance, and provide recommendations that support sound lending decisions.

The ideal Senior Credit Analyst candidate brings substantial hands-on underwriting experience, strong financial statement analysis skills, and the ability to interpret financial data to understand the broader financial health and operating performance of a business. This role requires someone who can independently assess creditworthiness, identify potential risks, and clearly communicate the rationale behind credit recommendations.

What’s the job?

• Underwrite commercial credit facilities, including multimillion-dollar transactions, by evaluating borrower financial performance, repayment capacity, and overall credit risk
• Analyze and spread financial statements, business and personal tax returns, audited financials, and other supporting documentation to assess borrower creditworthiness
• Evaluate cash flow, liquidity, leverage, debt service coverage, profitability, and other key financial ratios to determine repayment capacity and financial stability
• Interpret financial results to develop a comprehensive understanding of a borrower’s business model, operating performance, industry position, and financial trends
• Identify financial risks, inconsistencies, and potential red flags, including adjustments that may affect financial ratios, risk ratings, and credit decisions
• Prepare and review credit analyses, underwriting summaries, and recommendations supporting new credit requests, renewals, and credit limit decisions
• Utilize credit risk assessment tools, including Moody’s RiskCalc or comparable platforms, to evaluate borrower risk and support underwriting recommendations
• Navigate commercial lending and credit systems to understand how financial information flows through the underwriting process and impacts credit calculations
• Apply internal credit policies, underwriting standards, and risk guidelines to ensure consistent and well-supported credit decisions
• Communicate findings and recommendations clearly to internal stakeholders, explaining the financial story behind the numbers and the associated credit risks

What’s needed?

• 5+ years of progressive experience in commercial credit underwriting, commercial lending, or commercial credit analysis
• Demonstrated experience underwriting multimillion-dollar commercial credit facilities; experience with transactions of $1 million or more is required
• Strong technical proficiency in financial statement spreading and analysis, including the ability to evaluate business tax returns and audited financial statements
• Thorough understanding of commercial credit fundamentals, including cash flow analysis, leverage, liquidity, debt service coverage, and repayment capacity
• Demonstrated ability to interpret financial information, identify trends and risk factors, and explain how a company’s financial performance affects its creditworthiness
• Experience preparing credit analyses and supporting lending or credit limit decisions
• Strong analytical judgment, attention to detail, and ability to work independently through complex financial information
• Excellent written and verbal communication skills, with the ability to clearly articulate credit risks and underwriting recommendations
• Experience with Moody’s RiskCalc or comparable credit risk rating and assessment tools preferred
• Familiarity with commercial lending platforms, credit origination systems, and related underwriting workflows preferred
• Experience evaluating financial adjustments and understanding their impact on credit ratios and risk assessments preferred
• Exposure to a variety of commercial borrowers, industries, and lending structures preferred

Key Details

• Compensation: $95,000–$110,000 annual salary, depending on qualifications and experience
• Benefits: Medical, dental, and vision insurance
• Employment Type: Direct Hire
• Bonus: Eligible for a discretionary bonus, subject to applicable company policies and performance considerations

If you are interested in this Senior Credit Analyst opportunity and meet the qualifications above, please apply today!

Thank you,
Allee Struve
Recruiting Lead, Accounting & Finance

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