Sr Credit Analyst

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

The Opportunity:

We are seeking a full time Sr Credit Analyst to join our team. This role will underwrite and analyze commercial loan requests, including new loans, renewals, modifications, and periodic reviews. Evaluate borrower financial strengths, repayment capacity, collateral, guarantor support, industry conditions, and overall credit risk. Prepare clear recommendations that support sound lending decisions, regulatory compliance, and effect portfolio management. Serve as a resource for business bankers, portfolio managers, other lending partners, and credit analysts.

What You’ll Do:

• Conduct comprehensive underwriting of commercial real estate, commercial and industrial lending, working capital, equipment financing, acquisition, and other commercial credit requests.
• Analyze financial statements, tax returns, borrowing base reports, projections, and other borrower information to assess cash flow, repayment capacity, financial performance, and credit risk.
• Evaluate collateral, guarantor support, business valuations, real estate appraisals, environmental reports, and other factors relevant to credit structure and risk.
• Conduct industry, market, and competitive analyses to identify conditions that may affect borrower performance and portfolio quality.
• Prepare credit memorandums, loan presentations, and recommendations for approval, modification, renewal, or decline.
• Conduct annual and interim reviews of existing commercial credit relationships, maintain accurate risk ratings, and identify emerging risks or concerns.
• Ensure transactions comply with applicable regulatory requirements and DFCU policies, procedures, and underwriting standards.
• Participate in internal and external loan reviews, credit committee meetings, and other credit risk management initiatives as needed.
• Collaborate with business bankers, portfolio managers, credit officers, loan operations, and other departments to gather information, communicate findings, and support effective portfolio management.
• Serve as a resource to other credit analysts and credit associates, providing guidance on complex transactions, underwriting practices, and ongoing professional development.
• Manage multiple credit requests and review deadlines while supporting portfolio growth, asset quality, and compliance objectives.

What You’ll Need:

• A bachelor’s degree in finance, accounting, economics, business administration, or a related field.
• Five+ years of experience in commercial credit analysis, underwriting, or commercial banking.
• Experience analyzing small business up to middle-market commercial lending relationships.
• Advanced knowledge of commercial lending principles, credit products, underwriting practices, and credit risk assessment.
• Strong understanding of GAAP financial statements, cash flow analysis, financial ratios, and repayment capacity.
• Ability to interpret tax returns, borrowing base reports, financial projections, and other financial documentation.
• Experience supporting presentations at lending committees and underwriting multi-million-dollar commercial credit relationships.
• SBA 7(a) and 504 lending experience is a plus.
• Proficient in Microsoft 365.
• Demonstrated analytical and problem-solving skills.
• Able to initiate and embrace change.
• Excellent interpersonal skills, including written and verbal communication, and ability to work in a team environment.