Primary Location: United States,Texas,Irving
Other Location: United States,Utah,Roy
Education: High School Diploma/GED
Job Function: Risk Management
Shift: Day Job
Employee Status: Regular
Travel Time: Yes, 10 % of the Time
Job ID: 19005412
Credit Risk Senior Analyst
Performs in-depth financial statement analysis to manage new and existing relationships with exposures primarily up to $250M in addition to high risk credits.
Integrates in-depth credit operations knowledge with a solid understanding of industry standards and practices.
Uses judgment to complete more complex credit transactions with direct business impact.
Oversees credit application process to include credit verification and determines credit limits.
Performs analysis of credit reports, financials, etc. to provide the status on credit and operating statements.
Applies analytical thinking and knowledge of credit analysis tools and methodologies.
May serve on special project teams as assigned.
Mentor lower level analysts.
Additional assignments as business needs are identified.
Bachelor's degree or equivalent experience
Understanding of business needs/requirements.
Five+ years Credit Analysis experience
Prior commercial lending authority desired.
Broad based underwriting knowledge/experience Moody's MFA/spreading experience preferred.
Good corporate and merchant credit and exposure analysis skills.
Previous demonstrated ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to write narratives/underwrite commercial credit requests is required.
Demonstrated commercial, financial statement analysis and underwriting/analysis experience.
Strong communication skills; both written and verbal.
Proficient working knowledge of Windows and Excel.
Strong customer service, negotiation and phone etiquette skills required.
Multi-tasking in a high volume environment required.
Strong process and project management skills.