Job Summary:

The Senior Credit Analyst will review creditworthiness of individuals or businesses, particularly for more complex and sophisticated transactions, to determine the risk involved in lending money or extending credit.

Supervisory Responsibilities:

• May hire, train, and oversee subordinate staff in the department.

Duties/Responsibilities:

• Analyzes credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit.
• For individuals, performs research to verify employment and income, inspects reports from credit reporting agencies, and reviews FICO scores.
• For businesses, compares to similar businesses in terms of liquidity, profitability, and credit histories.
• Uses computer software to evaluate customers financial status and produce financial ratios.
• Compiles information, completes loan applications, and composes reports detailing the degree of risk involved in the loan or credit request; recommends approval or denial based on results.
• Sets interest rates and minimum or maximum terms of repayment for customers based on earnings, savings data, payment history, and purchase activity.
• Determines the expected profitability of loans by analyzing a businesss financial data including quality of management, income growth, and market shares.
• Resolves customer complaints and verifies transactions through consultation.
• Identifies delinquent accounts through the review of individual or commercial customer files.
• Performs other duties as assigned.

Required Skills/Abilities:

• Excellent interpersonal and customer service skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills.
• Ability to prioritize tasks and to delegate them when appropriate.
• Proficient with Microsoft Office Suite or related software.

Education and Experience:

• Bachelors degree in Accounting, Economics, Finance, Statistics, or Mathematics required.
• Three to five years of related experience required.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.