Senior Credit Analyst: Complex Underwriting Leader

Stillman Bank; Oregon; Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with company match

Paid time off

Job summary

Stillman Bank is seeking a Credit Analyst III to independently underwrite complex commercial credit relationships with minimal supervision. The role covers CRE, operating businesses, and agricultural credits, serving as a technical resource and mentoring junior analysts.

The position requires five years of credit analysis experience, strong financial modeling, and the ability to present well-supported credit recommendations to committees.

Qualifications

• Bachelor's degree in accounting, finance, economics, business, or related field.
• Minimum five years of commercial credit analysis or underwriting experience.
• Strong knowledge of accounting principles, financial statements, tax returns, and loan documentation concepts.
• Advanced analytical skills in financial modeling, stress testing, collateral evaluation, and risk ratings.
• Excellent writing, presentation, and interpersonal skills; able to defend credit conclusions.
• Proficiency with Excel, Word, Outlook; experience with credit analysis software.
• Ability to mentor analysts, coordinate complex assignments with minimal supervision.

Responsibilities

• Lead complex underwriting requests, renewals, modifications, and annual reviews from information gathering to presentation.
• Analyze financial statements, tax returns, and ownership structures; document adjustments.
• Evaluate primary and secondary repayment sources and develop projections and scenarios.
• Assess collateral quality, marketability, and coverage; coordinate reviews with qualified reviewers.
• Integrate management quality, industry conditions, and market trends into credit conclusions.
• Develop and present credit recommendations to approvers and committees with terms and covenants.
• Monitor relationships through covenant testing and exception analysis; support problem loan reviews.
• Provide feedback on analysts’ spreads, cash flow models, and risk ratings; mentor juniors.

Skills

Credit analysis

Underwriting

Financial modeling

Cash flow analysis

Risk assessment

Loan documentation

Mentoring

Communication

Analytical thinking

Problem solving

Education

Bachelor's degree in accounting/finance/economics/business

Tools

Microsoft Excel

Microsoft Word

Outlook

Abrigo

Job description

Stillman Bank is seeking a Credit Analyst III to independently underwrite complex commercial credit relationships with minimal supervision. The role covers CRE, operating businesses, and agricultural credits, serving as a technical resource and mentoring junior analysts.

The position requires five years of credit analysis experience, strong financial modeling, and the ability to present well-supported credit recommendations to committees.