Note: The job is a remote job and is open to candidates in USA. Banner Bank is a financial institution providing banking and lending services to individuals and businesses. The Senior Credit Analyst supports sound commercial lending decisions by analyzing complex credit relationships, preparing credit recommendations and approval materials, partnering with lending teams, and mentoring team members.
Responsibilities
- Investigate credit and financial information for prospective and existing clients
- Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans
- Independently evaluate complex credit relationships and develop recommendations with minimal guidance
- Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers
- Partner with lending teams to support effective credit risk assessment and portfolio management
- Support the Team Leader role and serve as a backup when needed
- Train, mentor, and support the development of new team members
- Maintain compliance with company policies, procedures, security requirements, and applicable government regulations
Skills
- You have a Bachelor's Degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required)
- An equivalent combination of education and experience can be considered in lieu of a degree
- You have 4 or more years of experience as a Credit Analyst (Required)
- SBA credit analysis preferred
- You have strong expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance
- You possess deep knowledge of credit investigations, collateral requirements, and commercial lending concepts
- You demonstrate exceptional analytical and critical thinking skills with a strong understanding of accounting principles
- You can manage a high volume of work while maintaining accuracy in a fast-paced, deadline-driven environment
- You adapt effectively to changing priorities and interruptions while delivering quality results
- You communicate clearly and professionally, both verbally and in writing
- You have knowledge of federal and state laws and regulations related to commercial lending
- You are proficient with Excel, Word, and other business and lending systems
- You enjoy collaborating with others and sharing knowledge through coaching and mentoring
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Benefits
- Annual incentive potential
- Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life
- Paid vacation time, sick time and 11 company paid holidays
- 401k (with up to 4% match)
- Tuition reimbursement
Company Overview
Company H1B Sponsorship