Senior Credit Analyst

This is a fully remote position, open to applicants in Idaho, +2 more states.

📋 Description

• Conduct thorough investigations of credit and financial information for both prospective and current clients.

• Evaluate business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources associated with new, renewed, and existing commercial loans.

• Assess complex credit relationships independently and formulate recommendations with minimal oversight.

• Create spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for decision-makers in loan approvals.

• Collaborate with lending teams to enhance effective credit risk assessment and manage the portfolio.

• Assist the Team Leader as needed and provide backup support.

• Mentor, train, and facilitate the development of new team members.

• Ensure compliance with company policies, procedures, security standards, and relevant government regulations.

⛳️ Requirements

• Bachelor's Degree in Accounting, Business, Economics, Law, Computer Science, or a related discipline (Required).

• Consideration will be given to an equivalent combination of education and experience in lieu of a degree.

• A minimum of 4 years of experience in the role of a Credit Analyst (Required).

• Extensive expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance.

• Profound understanding of credit investigations, collateral needs, and concepts related to commercial lending.

• Outstanding analytical and critical thinking abilities, coupled with a solid grasp of accounting principles.

• Capability to manage a significant workload while ensuring accuracy in a fast-paced, deadline-oriented setting.

• Flexibility to effectively adjust to changing priorities and interruptions while delivering high-quality outcomes.

• Strong verbal and written communication skills with a professional demeanor.

• Familiarity with federal and state laws and regulations pertaining to commercial lending.

• Proficient in Excel, Word, and various business and lending systems.

• Ability to work collaboratively with others and share expertise through coaching and mentoring.

🏝️ Benefits

• Potential for annual incentives.

• Comprehensive employee benefits package, including medical, dental, vision, long-term disability (LTD), short-term disability (STD), and life insurance.

• Paid vacation time, sick leave, and 11 company-paid holidays.

• 401k plan with up to a 4% company match.

• Tuition reimbursement program.