Sr. Commercial Credit Hub Analyst

Job Summary and Scope of Responsibility: Lead and support the Commercial Credit Hub Analyst Team. Prepare reports and summaries to assist Credit Administration and support account officers with underwriting loan requests, covenant monitoring and portfolio management.

Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below.

• Lead and support Commercial Credit Hub Analyst's team to ensure action requests are completed within policy and procedure.
• Review Commercial Credit Hub Analyst's financial spreads and other loan monitoring tasks, providing guidance to ensure quality and accuracy.
• Provide oversight on ongoing monitoring and reporting of compliance with loan covenants, reporting requirements, and other Policy and Bank-required tickler reports.
• Provide guidance, assistance, training and development to Level I and II Analysts.
• Maintain, and revise the department's spreading guidelines and procedures.
• Act as liaison for the department, communicating with and providing conflict resolutions and resolving discrepancies to Credit Officers, Underwriting, and Relationship Management Teams.

Minimum Qualifications to Perform Essential Functions:
Knowledge, Skills and Abilities:

• Ability to understand and interpret financial statements, business reports and legal documents.
• Strong knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover.
• Strong knowledge of the different types of financial statements and accounting principles and guidelines to ensure proper analysis.
• Detailed knowledge of UCA Cash Flow and the impact that different transactions would have on financial statements and repayment ability.
• Knowledge of the most pertinent financial and industry factors that should be discussed based on different loan types and/or borrowers.
• Demonstration of effective team leadership skills.
• Excellent interpersonal and customer service skills.
• Effective math skills, including ratios, percentages, interest and amortization.
• Good judgment and problem-solving skills.
• Strong attention to detail and organization skills.
• Effective business writing skills.
• Excellent verbal and written communication skills.
• Computer proficiency, including internet browsers, and word-processing and spreadsheet applications.
• Strong Microsoft Excel and PowerPoint skills.
• Proficiency at speaking, reading and writing English.

Experience and/or Education:

• Three years Commercial credit analysis experience.
• Four to seven years of commercial lending experience.
• Completion of college-level accounting courses or equivalent work experience, preferred.
• Bachelor's degree (Accounting, Finance, Economics, or similar field), preferred.