Senior Credit Analyst - Underwrite & Grow Lending

Flushing Bank; Tampa (FL); On-site; USD 90,000 - 120,000; Full time

Job summary

Flushing Bank in Tampa is seeking a Senior Credit Analyst to join our team. You will underwrite and analyze commercial loan requests, including new loans, renewals, modifications, and periodic reviews, evaluating cash flow, collateral, and credit risk to support sound lending decisions.

You’ll prepare memorandums, collaborate with business bankers and portfolio managers, and ensure regulatory compliance while contributing to portfolio growth and asset quality.

Qualifications

• Five+ years of commercial credit analysis experience.
• Experience analyzing small business up to middle-market lending.
• Advanced knowledge of lending principles, underwriting practices, and risk assessment.
• Proficiency in GAAP financial statements and cash-flow analysis.
• Ability to interpret tax returns and borrowing base reports.

Responsibilities

• Underwrite and analyze commercial loan requests, including CRE, C&I, working capital, and others.
• Evaluate borrower financials and collateral to assess repayment capacity and risk.
• Prepare credit memorandums and loan presentations for approval or decline.
• Collaborate with bankers, portfolio managers, and credit officers.
• Ensure transactions comply with regulatory requirements and underwriting standards.
• Participate in loan reviews and credit risk management initiatives.

Skills

Credit underwriting

Credit risk assessment

Cash flow analysis

GAAP analysis

Small business lending

SBA lending

Education

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

Tools

Microsoft 365

Job description

Flushing Bank in Tampa is seeking a Senior Credit Analyst to join our team. You will underwrite and analyze commercial loan requests, including new loans, renewals, modifications, and periodic reviews, evaluating cash flow, collateral, and credit risk to support sound lending decisions.

You’ll prepare memorandums, collaborate with business bankers and portfolio managers, and ensure regulatory compliance while contributing to portfolio growth and asset quality.