Senior Credit Portfolio Risk Analyst

North Star Leasing Company; Beachwood (OH); Hybrid; USD 65,000 - 85,000; Full time

Job summary

Peoples Bank in Beachwood, OH seeks a Regular Full Time Banking Analyst to conduct key loan monitoring activities, perform covenant testing, and analyze financial statements across credit relationships, including complex portfolios. You will help protect the bank’s interests and support shelf reviews while guiding Credit Portfolio Analysts.

The role emphasizes accuracy, compliance with loan documents, and collaboration with audit and loan-review teams.

Qualifications

• Bachelor's degree or equivalent work experience required.
• 2+ years demonstrated experience in commercial credit analysis or underwriting.
• Analytically minded - ability to evaluate financial statements, tax returns, interpret results and reach conclusions.
• Strong verbal and written communication skills.
• Strong problem solving and conflict resolution skills.
• Strong interpersonal skills.
• Highly organized and attentive to detail.
• Proven ability to exercise discretion and sound judgment.
• Ability to understand and apply bank’s credit policy.
• Ability to understand and apply applicable banking laws, regulatory requirements and credit/risk management practices.
• Proficient with the Microsoft suite of products, especially excel.
• Some travel may be required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.
• Team player.

Responsibilities

• Performs timely, accurate covenant testing, escalates breaches to ensure appropriate response/actions and performs red flag review and risk rating validation generally for more complex credit relationships.
• Spreads and analyzes financial statements to identify trends, ratios and overall financial performance.
• Prepares, mails and tracks responses for various communications with borrowers; including but not limited to Waiver Letters and Reservation of Rights Letters.
• Reviews collected financial statements for compliance with executed loan documents and approves with Document Manager for upload to ImageCentre.
• Tracks, tests and manages borrowing base requirements, including necessary updates to IBS, and escalates as applicable.
• Will be responsible for the preparation of annual shelf reviews.
• Assists with examiner, audit and loan review requests.
• Provides guidance and coaching to Credit Portfolio Analysts.
• Complies with established processes, quality standards and responsiveness expectations.
• Adheres to bank's policies and procedures and complies with regulatory requirements.
• Will perform special projects as assigned.

Skills

Credit analysis

Financial statement analysis

Communication

Problem solving

Interpersonal skills

Attention to detail

Discretion

Excel

Education

Bachelor's degree required

Specialization in accounting/finance

Tools

Excel

Job description

Peoples Bank in Beachwood, OH seeks a Regular Full Time Banking Analyst to conduct key loan monitoring activities, perform covenant testing, and analyze financial statements across credit relationships, including complex portfolios. You will help protect the bank’s interests and support shelf reviews while guiding Credit Portfolio Analysts.

The role emphasizes accuracy, compliance with loan documents, and collaboration with audit and loan-review teams.