Innovation Banking Sr. Credit Analyst

GENERAL FUNCTION:

The Senior Credit Analyst supportsend-to-endunderwriting and portfolio monitoring activities through close collaboration with Portfolio Managers, Underwriters, and Credit Risk partners. The roleis responsible forindependently executing most aspects of the underwriting process, includingin-depthfinancial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight.

The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering toestablishedpolicies and procedures. The role acts with integrity, supports a positive customer and colleague experience, andoperateswithin the Bank’s risk appetite. Success is achieved through consistent identification, assessment, monitoring, and escalation of credit risks.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Partner with Portfolio Managers and/or Underwriters to support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships

• Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends

• Lead the preparation of concise,well supportedcredit approval memoranda with minimal errors, includingcompany and industry analysis, identification and assessment of key credit risks and mitigants, historical financial analysis and prepare base and downside projectionmodels.

• Develop, review, andvalidatehistorical financial charts, projection models, and sensitivity analyses.

• Manage ongoing portfolio monitoring activities, including covenant compliance, financial statement reviews, and execution and validation of risk rating models

• Review and challenge completed financial spreads andworksto resolve required edits or inconsistencies

• Prepare Criticized Period Reviews with limited oversight

• Prepare portfolio analysis and Portfolio Review materials for management and risk committees

• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports

• Take ownership of resolving data, documentation, or analysis deficiencies and escalate issues with clear recommendations when appropriate

• Proactivelyidentifyemerging risks, adverse trends, or policy exceptions and escalate concernsin a timely manner

• Serve as a technical and analytical resource for junior analysts,assistingwith training, onboarding, and informal coaching

• Contribute to special projects, portfolio initiatives, or process improvement efforts as assigned by management

SUPERVISORY RESPONSIBILITY:

None

MINIMUM KNOWLEDGE,SKILLSAND ABILITIES REQUIRED:

• Bachelor’s degree in Business, Finance, Accounting, or a related field

• 3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role

• Strong, demonstrable understanding of financial analysis and credit risk assessment, including development and review of financial models and projections

• Advanced working knowledge of commercial banking products, services, and credit structures

• Solid understanding of corporate legal structures and commoncredit relatedlegal documents

• General knowledge of U.S. banking regulations and supervisory expectations

• Proficiencyin internal banking systems and applications

• Strong written and verbal communication skills with the ability to clearly convey complex analysis

• Demonstrated analytical judgment,problem-solvingcapability, andtheability to manage multiple priorities independentlywithstrongattention to detail

• Advancedproficiencyin Microsoft Office applications, particularly Excel and PowerPoint