Senior Commercial Credit Analyst

Beacon Hill; West Chester (Chester County); On-site; USD 75,000 - 90,000; Full time

Job summary

A regional bank is looking for a Senior Credit Analyst to conduct financial analysis for commercial and consumer loan requests. The ideal candidate will have experience in evaluating complex financials and underwriting loans, ensuring sound credit decisions aligned with the bank's risk appetite.

Benefits

Medical

Dental

Vision

Qualifications

• 2+ years of credit analysis experience, with a strong emphasis on commercial lending.
• Proficient in interpreting complex financial data and underwriting mid-market business loans.

Responsibilities

• Analyze and underwrite commercial loan requests including new originations.
• Conduct financial statement and cash flow analysis of businesses.

Skills

Analytical

Communication

Detail-oriented

Education

Bachelor's degree in Finance

Master's or MBA

Job description

This range is provided by Beacon Hill. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$75,000.00/yr - $90,000.00/yr

A regional bank is seeking a Senior Credit Analyst to join their team. This role is responsible for conducting in-depth financial analysis of commercial and consumer loan requests, ensuring sound credit decisions that align with the bank's risk appetite. The ideal candidate will have experience evaluating complex business financials, underwriting commercial loans, and supporting relationship managers in portfolio management and credit risk assessment.

Key Responsibilities:

A regional bank is seeking a Senior Credit Analyst to join their team. This role is responsible for conducting in-depth financial analysis of commercial and consumer loan requests, ensuring sound credit decisions that align with the bank's risk appetite. The ideal candidate will have experience evaluating complex business financials, underwriting commercial loans, and supporting relationship managers in portfolio management and credit risk assessment.

Key Responsibilities:

• Analyze and underwrite commercial loan requests (CRE, C&I, SBA, etc.) including new originations, renewals, and modifications.

• Conduct financial statement and cash flow analysis of businesses and guarantors to assess creditworthiness.

• Review and interpret tax returns, balance sheets, income statements, and other financial documents.

• Prepare credit memoranda with well-supported recommendations for loan approval, modification, or decline.

• Evaluate consumer loan applications on a limited basis, including home equity, auto, and personal loans.

• Monitor the performance of assigned loan portfolios; identify potential risks and recommend risk mitigation strategies.

• Work closely with loan officers, credit officers, and senior management to structure loan terms that align with both customer needs and the bank's credit standards.

• Stay up to date on industry trends, economic conditions, and regulatory changes that may impact credit risk.

• Assist in loan reviews, credit scoring updates, and internal audits or regulatory examinations as needed.

• Mentor junior credit analysts and support staff, fostering a collaborative and knowledgeable team environment.
  
  

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics, or a related field (Master's or MBA preferred).

• 2+ years of credit analysis experience, with a strong emphasis on commercial lending.

• Proficient in interpreting complex financial data and underwriting mid-market business loans.

• Working knowledge of banking regulations, loan policy, and risk grading systems.

• Strong written and verbal communication skills.

• Detail-oriented, with excellent analytical, organizational, and problem-solving abilities.
  

Beacon Hill is an equal opportunity employer and individuals with disabilities and/or protected veterans are encouraged to apply.

California residents: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.

If you would like to complete our voluntary self-identification form, please click here or copy and paste the following link into an open window in your browser: https://jobs.beaconhillstaffing.com/eeoc/

Completion of this form is voluntary and will not affect your opportunity for employment, or the terms or conditions of your employment. This form will be used for reporting purposes only and will be kept separate from all other records.

Company Profile:

Founded by industry leaders to set a new standard in search, career placement and flexible staffing, we deliver coordinated staffing solutions with unparalleled service, a commitment to project completion and success and a passion for innovation, creativity and continuous improvement.

Our niche brands offer a complete suite of staffing services to emerging growth companies and the Fortune 500 across market sectors, career specialties/disciplines and industries. Over time, office locations, specialty practice areas and service offerings will be added to address ever changing constituent needs.

Learn more about Beacon Hill and our specialty divisions, Beacon Hill Associates, Beacon Hill Financial, Beacon Hill HR, Beacon Hill Legal, Beacon Hill Life Sciences and Beacon Hill Technologies by visiting www.bhsg.com.

Benefits Information:

Beacon Hill offers a robust benefit package including, but not limited to, medical, dental, vision, and federal and state leave programs as required by applicable agency regulations to those that meet eligibility. Upon successfully being hired, details will be provided related to our benefit offerings.

We look forward to working with you.

Beacon Hill. Employing the Future

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Accounting/Auditing, Analyst, and Finance

• Industries

  Banking

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