Senior Credit Analyst

Summary/Objective
The Senior Credit Analyst is responsible for developing and overseeing analyses of market, loan, borrower and lender risks.  The Senior Credit Analyst is also charged with performing and overseeing the review of new credit requests in compliance with Bank policy and ensuring proper approval is obtained.

Principal Duties
Reasonable accommodations may be made to enable individuals with disabilities to perform principal duties and essential functions described herein.
1. Provide assistance to Credit Analysis Department including day-to-day operations, training, assisting employees with issues brought forth with customers or other employees, time management, providing input on annual reviews, interviewing and hiring.
2. Provide assistance in implementing a system of credit analysis and quality assurance for loans made as required by Board directives; assign rating method as needed in conjunction with loan loss reserve analysis.
3. Prepare or assign written analysis on all large loans, based on aggregate indebtedness to meet Policy guidelines.
4. Prepare or assign written analysis of new credit requests as requested by the Commercial Loan Officer or required due to Bank policy. Analyze the financial condition of businesses and individuals, evaluate the quality and sufficiency of various sources of repayment, collateral and the appropriateness of credit structures for new loans and renewal requests.
5. Prepare or assign loan presentations providing adequate details of credit structure, management evaluation and the background of the business and industry, provide assessment and adequacy of deal structure, risk ratings, and creditworthiness, and participate in presentation and/or present loans to the approving authority.
6. Oversee the full range of managerial duties for the loan review and credit analysis functions including adherence to policies and practices of Bank policies and applicable regulatory and governmental agencies.
7. Identify problem loans, make recommendations for assignment of loans to the Watch and Classified Loan Listings. Assist Commercial Loan Officers with proposals for additional credit information needs and ensure adherence to meeting non-accrual and/or charge-off criteria.
8. Conduct collateral analysis for new loan requests as well as ongoing review of collateral adequacy. This includes the assignment of floor plan and other on-site audits.
9.  Assist the bank with various administrative tasks to support department operation, as directed; may also be assigned special projects.
10. Evaluate and recommend policy changes based on compliance or loan reviews and dissemination of other pertinent facts.
11. Become knowledgeable with and ensure compliance with regulations of governing agencies and industry best practices. These include but are not limited to:
Equal Credit Opportunity Act (Reg B)
HMDA (Reg C)
Flood Disaster Protection Act
Truth in Lending (Reg Z)
Unfair, Deceptive and Abusive Acts and Practices (Reg AA)
Fair Credit Reporting Act (Reg V)
RESPA (Reg X)
Bank Secrecy Act
Anti-Money Laundering Act
Privacy Act
Americans with Disabilities Act
12. Follow all Bank policies and procedures.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Essential Functions
1. Exercise discretion and independent judgement on the matters of significance as described herein.
2. As this is a vital position in the organization, attendance within policy guideline is essential.  Exceptions to this, for medical or other pre-approved absences, should be documented in an individual’s personnel file.
3. A primary function is to communicate with loan officers, board members, subordinates and others.  Employee must be able to express themselves and exchange accurate information in person, by phone and/or by email.
4. Employee must be able to input, retrieve and assess information from a computer and other office machinery.
5. Employee will operate a computer and other standard office communication devices and productivity machinery.

Competencies
1. Communication Proficiency Including Presentation Skills.
2. Financial Management.
3. Business Acumen.
4. Problem Solving/Analysis.
5. Personal Effectiveness/Credibility
6. Technical Capacity.
7. Excel and Word Proficient.
8. Manage Subordinates in a Fair and Consistent Manner.

Supervisory Responsibility
The Senior Credit Analyst will provide additional input in hiring, performance management, and the directing and overseeing of the work of the Credit Analysts.

Work Environment
This job operates in a bank branch office. It is a professional environment.

Position Type and Expected Hours of Work
This can be an exempt or non-exempt full-time position. Hours may fluctuate due to workload and department staffing needs; however, the normal work week is expected to be 40 hours; between 8:00 a.m. – 6:00 p.m., Monday through Friday. 

Reports To
Senior Vice President Commerical Credit

Required Education and Experience
1. Bachelor’s Degree Required. Emphasis in economics, finance or business preferred.
2. 5+ Years of Industry Experience Required.
3. A Working Knowledge of Commercial Lending Terminology and Financing Options.

Additional Eligibility Qualifications
1. Must be Bondable
2. Experience in Managing a Professional Staff Preferred.

EEO Statement
Security Bank is an equal opportunity employer. This means Security Bank will not discriminate in any of its employment practices on the basis of sex, age, race, color, mental or physical disability, national origin, religion, sexual orientation, marital or veteran’s status, or other legally protected status. All employees have the responsibility to adhere to this policy and to use all efforts to further its implementation.

Approval
This job description has been approved by Sr Vice President of Commercial Credit (12-2023).
This job description has been approved by Executive Management (01-2024).