Senior Credit Analyst

What You’ll Do

The Senior Credit Analyst independently conducts detailed financial analysis and risk assessments for new and existing borrowers, guarantors, and collateral. Working with minimal supervision, this role evaluates financial statements, identifies key trends, and provides critical insights to support the lending and underwriting teams. The Senior Credit Analyst also serves as a mentor, guiding and helping develop the other Credit Analysts.

Responsibilities Include

• Spread financial statements, tax returns, and other financial data in a consistent and meaningful manner for submission to Credit Administration
• Interpret financial trends, ratios, and pro forma statements to evaluate performance and assess risk
• Assess the cash flow, collateral, management, and industry of the borrowers and guarantors
• Test loan covenants to ensure compliance with the terms of the credit agreements
• Contact borrowers or their agents regarding loan applications, obtaining financial information, or asking follow-up questions related to new or existing loans
• Research market, industry, and collateral information provided by borrowers or their agents
• Communicate and collaborate with internal and external customers in a professional and timely manner
• Ability to appropriately use all banking principles, terminology, and credit risk fundamental in their daily tasks
• Comply with all applicable Banking compliance rules and regulations established by both internal departments and external agencies

What You’ll Need to be Successful

• Analytical Skills – ability to analyze and solve problems; strong critical thinking skills
• Judgement – ability to exercise independent, sound, and accurate judgment in decision making; exercise personal and professional responsibility while working with limited direction
• Planning and Organizing – strong organizational and time management skills; can adapt to changes in the work environment and manage competing demands
• Productivity – meet productivity standards by using time efficiently; prioritize and plan work activities; sense of urgency around deadlines and commitments
• Discretion – maintain confidentiality of sensitive information
• Quality – demonstrate accuracy and thoroughness; commitment to excellence and high standards
• Quantity – strive to increase productivity, complete work in a timely manner and consistently meet productivity standards
• Reliable – complete tasks on time or notify appropriate person with an alternate plan
• Teamwork – maintain a positive working relationship with your team members; listen, get clarification, and respond well to questions
• Customer Service – respond to requests for service and assistance; meet commitments made to internal and external customers
• Compliance – consistently adhere to Bank policies and regulations, reinforce training to ensure that Bank employees are aware of UDAAP and do not harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice
• Leadership & Mentorship – Ability to train, coach, and develop other analysts

Qualifications

• High school diploma or GED required
• A minimum of two semesters of college-level courses in finance, accounting or similar field preferred
• A minimum Three years’ experience in a credit-related field with a strong understanding of the differences between cash, accrual, and tax accounting required.
• Proficiency in Microsoft Excel or comparable spreadsheet software and Microsoft Word or comparable word processing software
• Experience with a loan origination system such as Abrigo or similar (e.g. CreditQuest, nCino, Moodys) preferred

Why You Should Apply

• Full-time position with excellent compensation and benefits package
• Generous time off programs
• Bonus program
• Profit-sharing
• Discounted stock purchase program
• Excellent growth and development opportunities
• And much more!

Pay Range (Hourly): $32.00 - $36.00/hour

The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.

First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.

The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.