Senior Credit Analyst - Complex Underwriting & Risk

Financial Staffing LLC; Dallas (TX); On-site; USD 65,000 - 85,000; Full time

Job summary

Financial Staffing LLC is seeking a Credit Analyst II who analyzes credit, collateral, and financial statements to assess risk for extending commercial credit. You will underwrite complex loan requests and collaborate with Credit Management for review and input on work products.

The role emphasizes secure, confidential client service and cross-department cooperation, with the Primary objective of serving as a trusted advisor to internal and external customers and supporting decision-making for

Qualifications

• Bachelor’s degree in business/finance, accounting, or economics.
• 2-4 years of relevant credit or financial analysis experience.
• Strong accounting background and sales experience desirable.
• Strong analytical, organizational, negotiation, interpersonal and communication skills; positive attitude with team-player approach.
• Must comply with all bank policies and maintain customer confidentiality.
• Must be able to perform the essential functions of the job with or without reasonable accommodation and without posing a direct threat to the health and safety of self or others.

Responsibilities

• Prepare Credit Request Presentations that analyze the degree of risk involved in extending credit.
• Confer with Credit Management and Commercial lenders to determine appropriate structures and terms, making recommendations when appropriate.
• Make recommendations for credit grading / loan risk rating.
• Prepare financial spreads and ratio analysis using spreading software.
• Conducts annual analysis and prepares memorandums for large commercial loan relationships.
• Attends Loan Committee meetings, as appropriate, to be available to answer questions regarding credit analysis and to assist with presenting the data.

Skills

Analytical skills

Organizational skills

Negotiation

Interpersonal skills

Communication skills

Team-player

Attention to detail

Sales experience

Math skills

Education

Bachelor’s degree in business/finance, accounting, or economics

Tools

Spreadsheets

Spreading software

Word processing

Job description

Financial Staffing LLC is seeking a Credit Analyst II who analyzes credit, collateral, and financial statements to assess risk for extending commercial credit. You will underwrite complex loan requests and collaborate with Credit Management for review and input on work products.

The role emphasizes secure, confidential client service and cross-department cooperation, with the Primary objective of serving as a trusted advisor to internal and external customers and supporting decision-making for