Senior Credit Risk Analyst (Commercial Lending)

POTOMAC BANK INC; Ashburn (GA); On-site; USD 90,000 - 130,000; Full time

Job summary

Potomac Bank Inc. in Ashburn, VA is seeking a Senior Credit Analyst to evaluate complex loan requests, structure deals, and assess borrower repayment ability with emphasis on commercial lending and real estate.

You will prepare underwriting documents for executive approval and assign risk ratings. The role requires 6+ years in credit analysis, strong analytical skills, and knowledge of bank policies and regulatory requirements.

Qualifications

• Bachelor’s degree in accounting, finance, real estate, or related field.
• 6+ years specialized experience as a Credit Analyst.
• Experience in training or supervisory roles is a plus.
• Strong regulatory and policy knowledge.

Responsibilities

• Evaluate loan requests for proper structure and compliance with bank policies and regulations.
• Interpret loan documentation and identify required documents for commercial products.
• Review terms, sources/uses, and determine loan structure appropriateness.
• Conduct background checks and credit bureau inquiries; assess borrower credibility.
• Analyze high-risk and specialized industries in commercial lending.
• Develop underwriting documents for executive approval with detailed justifications.
• Assign risk ratings and defend recommendations at committee meetings.
• Support relationship managers and assist in collecting information for new loans.

Skills

Financial analysis

Credit risk assessment

Regulatory knowledge

Underwriting excellence

Excel proficiency

Communication skills

Team collaboration

Documentation quality

Education

Bachelor’s degree in accounting, finance, real estate, or related field

Tools

Credit analysis software

Microsoft Excel

Job description

Potomac Bank Inc. in Ashburn, VA is seeking a Senior Credit Analyst to evaluate complex loan requests, structure deals, and assess borrower repayment ability with emphasis on commercial lending and real estate.

You will prepare underwriting documents for executive approval and assign risk ratings. The role requires 6+ years in credit analysis, strong analytical skills, and knowledge of bank policies and regulatory requirements.