Sr. Commercial Credit Analyst
Location:
Madison, WI
Compensation:
$65-100K PLUS BONUS
Company Description
Founded 30 years ago, my client is a leader as a Top Community Bank in Madison, WI. Current asset size $600mm and GROWING!
· Three locations in Dane County
· Strong financial numbers year after year
· Huge emphasis on community involvement
· Incredible Culture with a “community roots” and relationship focus
WHY YOU SHOULD BE INTERESTED!!
· Great opportunity to work at one of the Top Community Banks in Dane County
· Opportunity to help support this growing Commercial Lending team and potentially grow into a supervisory role
· This culture really puts employees first with lots of “extras” including chair massages and a monthly “breakfast meeting” and annual fish fry!
· Excellent benefits including 3% automatic deposit into your 401k
Position Summary
SUMMARY:
The Senior Credit Analyst is responsible for independently underwriting complex commercial credit requests and providing clear, well-supported recommendations to the Bank’s lending and credit teams. This position analyzes borrowers, guarantors, financial performance, repayment capacity, collateral, industry conditions, and transaction structure across a diversified commercial loan portfolio. This position partners closely with commercial lenders, provides ongoing portfolio guidance, assists with borrower and prospect meetings, and mentors less-experienced credit analysts.
RESPONSIBILITIES:
· Independently underwrite new commercial loans, renewals, modifications, and annual reviews involving complex borrowing relationships.
· Analyze commercial real estate, investment real estate, C&I, operating line, construction and development, and SBA loan requests.
· Spreading financial statements and evaluating an entity’s historical performance including strengths and weaknesses.
· Researching and analyzing industry trends and economic factors affecting the business.
· Perform cash flow, collateral, ratio, and trend analysis on borrower and/or guarantors
· Prepare complete, accurate, and well-supported credit presentations for approval by the appropriate lending authority or loan committee.
· Preparing detailed narratives of company background, management expertise, and financial performance.
· Partner with commercial lenders to gather information, evaluate transaction structure, and resolve underwriting questions.
· Assess strengths, weaknesses, major risk factors, overall risk, and Bank’s ability to mitigate key risks identified.
· Identify key credit risks and mitigating factors and recommend appropriate loan structures, covenants, collateral requirements, reporting requirements, and risk ratings.
Education & Experience
EDUCATION / EXPERIENCE:
• Effective communication when working with customers and/or employees.
• Ability to communicate with employees and understand their functions/processes.
• Be involved in developing solutions to meet the needs of the customer and/or employees.
• Flexibility to meet changing workload; highly self-motivated.
• Be a team player and be respectful to all staff, customers, and prospects. Provide leadership where assigned.
• Proficient in Microsoft Office Suite and other applicable software.
• Demonstrated ability to independently underwrite complex commercial credit relationships.
• Must be detail-oriented with effective written and verbal communication skills.
• Must be familiar with accounting principles.
• Be familiar with banking laws, regulations, policies, and practices preferred.
• Strong organizational skills.
• Strong interpersonal skills and the ability to articulate in front of others.
• Must possess a desire to learn and expand knowledge across the organization.
• Bachelor’s degree in finance, business, accounting, or economics preferred.
• 3+ years of progressively responsible commercial credit analysis or underwriting experience.
• Banking experience required.
SCOPE:
Reports to: Chief Credit Officer