Senior Credit Analyst

Department: Clayton Office

Reports to: Michael Eaton


Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties.

Essential Duties and Responsibilities

Includes the following (other duties may be assigned):

  • Gather/analyze financial data including business and personal financial statements and tax returns.

  • Order credit reports, credit checks and other investigative reports for loans in process.

  • Spread financial statements and prepare financial projections.

  • Perform industry research including comparing key financial ratios, profitability and trends with other companies of same industry, size, and geographic location.

  • Analyze such factors as growth, earnings, transaction history, quality of management, succession planning, market share, financial condition, potential resks of industry, and collateral appraisal to determine the risk involved in lending to commercial borrowers.

  • Utilize customer provided forecasts and/or historical data to create forecasts for determining future operating performance and cash flow coverage.

  • Assist lender in underwriting new loan requests and renewals. This includes attending certain customer meetings, as well as recommending loan approval and terms to the lender. The credit write-up shall be a detailed credit analysis, with financial analysis that is accurate and as thorough as possible with the information provided, strengths and weaknesses of the request are identified and discussed in the write-up, as well as highlighting factual and verifiable mitigants.

  • Assist in monitoring the credit quality of borrowers to include keeping required financial data current and analyzing the financial data for covenant and borrowing base compliance (financial statements, tax returns, accounts receivable, aging, inventory listing and rent rolls).

  • Upon request, contact clients on past due report to determine if payment issues are operational or credit.

  • Communicate with credit applicants to develop information regarding their business needs and to determine whether a loan may be an acceptable risk.

  • Assist lender with Problem Loan Reports, Impairment Analyses, etc.

  • Provide training and mentoring guidance to less experienced credit analysts.

  • Assist in assembling materials for committee and board presentations and meetings.

  • Take on additional responsibilities as may be assigned (ex. bank wide tracking of borrow base, margin maintenance, portfolio mix, CRE guidance, etc.).

  • Coordinate with Credit Administration, Servicing, Operations, Appraisal, Legal and other related personnel for loan maintenance and troubleshooting.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university, and over three years related experience and/or training; or equivalent combination of education and experience. Master's degree (M.A. or MBA) or working toward a Master's degree is desirable.


To apply email us your resume or for more information contact our Human Resources department.