Senior Credit Analyst: Strategic Lending & Risk Insight

Quality Staffing Services; Maryland; On-site; USD 70,000 - 90,000; Full time

Job summary

Quality Staffing Services in Salisbury, MD is seeking a mid-level Credit Analyst to support the bank's lending function. You will perform highly technical credit and financial statement analysis for commercial loan requests, renewals, and ongoing reviews of customer relationships.

The role requires attention to detail, ability to multi-task under deadlines, and strong written and verbal communication. Banking experience and knowledge of tax returns and financial analysis are preferred.

Qualifications

• Banking industry experience preferred;
• Understanding of personal and business tax returns & financial statements;
• Demonstrates attention to detail and ability to multi-task in a deadline-driven environment;
• Ability to work independently and in a team atmosphere;
• Excellent written and verbal communication skills.

Responsibilities

• Prepare loan analyses for new credit requests including spreading financial statements and updating the Loan Approval document;
• Compose the narrative analysis for credit requests based on transaction size and complexity;
• Assess borrower background, management capabilities, products/services, industry outlook, and competition;
• Spread new financial information for existing credits and update analyses for annual risk reviews;
• Prepare financial documentation for renewal of commercial lines of credit and covenant compliance;
• Provide industry-specific research for credit decisions;
• Support modifications and extensions with financial analysis;
• Assist with regulatory training and ensure compliance with applicable regulations;
• Maintain knowledge of bank policies and LoanVantage systems for tracking and renewals;
• Assist with loan reviews, audits, and regulatory examinations;
• Coordinate with credit and loan staff and executives to monitor portfolio quality.

Job description

Quality Staffing Services in Salisbury, MD is seeking a mid-level Credit Analyst to support the bank's lending function. You will perform highly technical credit and financial statement analysis for commercial loan requests, renewals, and ongoing reviews of customer relationships.

The role requires attention to detail, ability to multi-task under deadlines, and strong written and verbal communication. Banking experience and knowledge of tax returns and financial analysis are preferred.