Senior Credit Analyst

LaSalle Network; Denver (CO); On-site; USD 95,000 - 110,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Job summary

LaSalle Network seeks an experienced Senior Credit Analyst to support commercial credit underwriting and risk assessment. You will evaluate complex credit requests, analyze borrower financial performance, and provide recommendations that back sound lending decisions.

The role requires hands-on underwriting experience, strong financial statement analysis, and the ability to interpret data to gauge financial health and operating performance. Clear communication of credit rationale is essential.

Qualifications

• 5+ years of progressive experience in commercial credit underwriting.
• Ability to spread financial statements and analyze tax returns and audited financials.
• Strong understanding of cash flow, leverage, liquidity, and debt service coverage.

Responsibilities

• Underwrite commercial credit facilities, including multimillion-dollar transactions.
• Spread and analyze borrower financial statements and supporting documentation.
• Evaluate cash flow, liquidity, leverage, and repayment capacity to assess credit risk.
• Develop a comprehensive understanding of borrower business and industry trends from financial results.
• Identify risks, red flags, and adjustments affecting ratios and risk ratings.
• Prepare credit analyses, underwriting summaries, and recommendations for new or renewed credit requests.
• Utilize credit risk tools to evaluate borrower risk and support underwriting decisions.
• Explain findings and credit recommendations clearly to internal stakeholders.

Skills

Credit underwriting

Financial statement analysis

Risk assessment

Communication skills

Education

Bachelor's degree in finance or accounting

Tools

Moody's RiskCalc

Job description

We are seeking an experienced Senior Credit Analyst to support commercial credit underwriting and risk assessment within a financial services organization. This individual will evaluate complex commercial credit requests, analyze borrower financial performance, and provide recommendations that support sound lending decisions.

The ideal Senior Credit Analyst candidate brings substantial hands-on underwriting experience, strong financial statement analysis skills, and the ability to interpret financial data to understand the broader financial health and operating performance of a business. This role requires someone who can independently assess creditworthiness, identify potential risks, and clearly communicate the rationale behind credit recommendations.

Senior Credit Analyst Responsibilities

• Underwrite commercial credit facilities, including multimillion-dollar transactions, by evaluating borrower financial performance, repayment capacity, and overall credit risk.
• Analyze and spread financial statements, business and personal tax returns, audited financials, and other supporting documentation to assess borrower creditworthiness.
• Evaluate cash flow, liquidity, leverage, debt service coverage, profitability, and other key financial ratios to determine repayment capacity and financial stability.
• Interpret financial results to develop a comprehensive understanding of a borrower's business model, operating performance, industry position, and financial trends.
• Identify financial risks, inconsistencies, and potential red flags, including adjustments that may affect financial ratios, risk ratings, and credit decisions.
• Prepare and review credit analyses, underwriting summaries, and recommendations supporting new credit requests, renewals, and credit limit decisions.
• Utilize credit risk assessment tools, including Moody's RiskCalc or comparable platforms, to evaluate borrower risk and support underwriting recommendations.
• Navigate commercial lending and credit systems to understand how financial information flows through the underwriting process and impacts credit calculations.
• Apply internal credit policies, underwriting standards, and risk guidelines to ensure consistent and well-supported credit decisions.
• Communicate findings and recommendations clearly to internal stakeholders, explaining the financial story behind the numbers and the associated credit risks.

Senior Credit Analyst Requirements

• 5+ years of progressive experience in commercial credit underwriting, commercial lending, or commercial credit analysis.
• Demonstrated experience underwriting multimillion-dollar commercial credit facilities; experience with transactions of $1 million or more is requried.
• Strong technical proficiency in financial statement spreading and analysis, including the ability to evaluate business tax returns and audited financial statements.
• Thorough understanding of commercial credit fundamentals, including cash flow analysis, leverage, liquidity, debt service coverage, and repayment capacity.
• Demonstrated ability to interpret financial information, identify trends and risk factors, and explain how a company's financial performance affects its creditworthiness.
• Experience preparing credit analyses and supporting lending or credit limit decisions.
• Strong analytical judgment, attention to detail, and ability to work independently through complex financial information.
• Excellent written and verbal communication skills, with the ability to clearly articulate credit risks and underwriting recommendations.

Senior Credit Analyst Preferred Qualifications

• Experience with Moody's RiskCalc or comparable credit risk rating and assessment tools.
• Familiarity with commercial lending platforms, credit origination systems, and related underwriting workflows.
• Experience evaluating financial adjustments and understanding their impact on credit ratios and risk assessments.
• Exposure to a variety of commercial borrowers, industries, and lending structures.

Compensation And Benefits

• Annual Salary Range: $95,000-$110,000, depending on qualifications and experience.
• Bonus: Eligible for a discretionary bonus, subject to applicable company policies and performance considerations.
• Benefits: Medical insurance, dental insurance, and vision insurance

LaSalle Network is an Equal Opportunity Employer m/f/d/v.