Senior Credit Analyst (C&I)

Our client is a growing financial institution with locations throughout the DC-Metro area. They are seeking an experienced commercial credit professional to join their team in Montgomery County MD.

Qualifications:

• Candidates must have a minimum of 4+ years' experience in a commercial credit analysis, underwriting and/or portfolio management capacity.
• The incumbent will handle underwriting, due diligence, debt analysis, financial spreads and narrative analysis for C&I and CRE loans ranging from $1MM-30MM.
• While this role will support both the C&I and Commercial Real Estate lending teams, it will mainly focus on C&I deals.
• Bachelor's degree required.
• Previous experience underwriting C&I deals is required.
• A blend of C&I and CRE underwriting experience is a plus.

Responsibilities include:

• Provides quality service to internal relationship managers through personal and business financial statement analysis utilizing internal and external technology and resources relative to Commercial and Industrial as well as Real Estate Based lending proposals.
• Interacts with management relative to overall credit risk assessments and analysis.
• Perform narrative analysis of corporate spreads to communicate the financial strengths and weaknesses to the appropriate approver.
• Analyze personal net worth, and personal and contingent debt to determine guarantor strength.
• Interact with Commercial Lenders and approving officers to assist in appropriate loan structure that addresses client need while minimizing risk to the Bank.
• Assist in drafting loan offering package for approval.
• Perform collateral analysis.
• Attend customer meetings and participate in telephone conference calls, as necessary.
• Maintain compliance with internal Bank policies and procedures.
• Stay informed about the legal, compliance and market-risk-related issues involved in the approval of credit.
• Work with the team to solve complex credit issues and ensures that the final work product is in line with the Bank’s expectations and timelines.
• Attend Credit Loan Committee and other relevant meetings.

Commercial Credit

Commercial Banking

Credit Analysis