Senior Credit Analyst

As a Senior Credit Analyst at Consumers National Bank, your primary responsibilities include analyzing proposed and existing commercial credit relationships to determine the borrower's ability to repay obligations. You'll conduct financial analyses, evaluate collateral adequacy, and recommend loan structures to minimize risk. Communication with the originating lender and collaboration with various departments will be key, ensuring all credit decisions align with bank policies.

To qualify for the Senior Credit Analyst position at Consumers National Bank, candidates should ideally hold a finance or related degree or possess significant lending and/or audit experience. A minimum of five years in lending or analysis, familiarity with SBA credit analysis, and proficiency in using analytical tools like Sageworks and Microsoft Office Suite are essential to thrive in this role.

Successful Senior Credit Analysts at Consumers National Bank should possess strong analytical, mathematical, and problem-solving skills. Effective communication, attention to detail, and the ability to prioritize and execute tasks efficiently under pressure are vital. Being adept at collaborating within a team-oriented environment is also crucial for making informed credit decisions.

Yes, Consumers National Bank provides a flexible work schedule for the Senior Credit Analyst role. We understand the importance of work-life balance and aim to create an environment where professionals can excel while managing their personal commitments.

The hiring process for the Senior Credit Analyst position at Consumers National Bank includes background checks, credit assessments, and validation of previous employment. We value transparency and candidate suitability, ensuring that applicants align with our mission to serve and positively impact our community.

When addressing your experience with financial analysis, focus on specific projects where your analytical skills have had a measurable impact. Discuss the types of financial data you analyzed, the tools used, and how your analysis influenced lending decisions or credit policies.

In your response, emphasize your systematic approach to analyzing financial statements, understanding cash flows, and reviewing collateral. Mention any specific metrics or ratios you rely on and how you communicate your findings to stakeholders to support sound lending decisions.

Share your experience with analytical tools and software, such as Sageworks or Abrigo, and explain how they've aided your analysis. Highlight any instance where these tools enhanced your efficiency or accuracy in credit assessments.

Here, narrate a specific situation where you spotted a potential credit risk and describe the steps you took to address it. Include how you reported this to management and the impact it had on the decision-making process.

Discuss your strategies for effective time management and prioritization. Explain how you ensure comprehensive analyses without compromising on productivity, perhaps by discussing tools or techniques that help streamline your workflow.

Mention the resources you use—like industry publications, webinars, or professional networks—to stay informed on current regulations. Discuss any relevant training you have attended and how you apply this knowledge in your work.

Emphasize the importance of collaboration in discussing complex credit cases with your team, lenders, and other stakeholders. Share how teamwork enhances the accuracy of credit decisions and fosters a supportive working environment.

Identify key performance indicators relevant to credit assessments, such as debt-to-income ratios, credit scores, and cash flow analysis. Be prepared to articulate why you find these metrics significant in evaluating risk.

Discuss your approach to conflict resolution, emphasizing your communication skills. Explain how you aim to reach a consensus while backing your points with data and analysis to ensure the best decision is made for the bank.

Reflect on your passion for finance, helping businesses thrive, and making a positive impact on the community. Share specific aspects of the role that inspire you, such as the opportunity for professional growth or the thrill of solving complex analytical challenges.