Senior Commercial Credit Analyst

As a Senior Commercial Credit Analyst at Lumi, you'll be responsible for providing detailed credit analysis of complex commercial loan applications, conducting thorough credit calls with business applicants, and making informed recommendations to our Deal Review Committee. You'll also support junior credit analysts in their assessments, ensuring that high-quality standards are consistently met, while building strong relationships with the sales team to enhance credit submission quality.

The Senior Commercial Credit Analyst role at Lumi requires commercial credit experience in decisioning deals of up to $5 million and a proven record of holding significant delegation. Candidates should have experience in coaching and mentoring junior analysts, exhibit strong organizational and time management skills, and possess high attention to detail along with the ability to build relationships and work collaboratively as a team player.

At Lumi, we offer an impressive range of benefits for our Senior Commercial Credit Analysts including wellbeing initiatives like free counseling and seasonal activities, work-life balance support such as a home workspace allowance and paid volunteer leave, social perks including monthly lunches and stocked kitchens, as well as opportunities for career advancement and higher education sponsorship. We truly value our employees' contributions and strive to nurture their growth.

Lumi is committed to the career development of its employees. As a Senior Commercial Credit Analyst, you'll find numerous opportunities for advancement and skill development. We offer higher education sponsorship, host hackathons, and provide regular feedback sessions to help you continuously improve and grow your capabilities in commercial credit analysis.

Lumi's culture emphasizes growth, inclusion, and teamwork for all our employees, including Senior Commercial Credit Analysts. We encourage a work environment where authenticity is celebrated, and everyone's voice can be heard. With numerous awards recognizing our commitment to diversity and a supportive atmosphere, you'll find that Lumi is a great place to build a fulfilling career.

During your response, highlight specific examples from your previous roles, detailing the types of commercial loans you analyzed, the criteria you used for assessment, and the outcomes of your decision-making processes. Emphasize any experience related to working with loans up to $5 million, as this is crucial for a Senior Commercial Credit Analyst at Lumi.

Explain your process for identifying potential risks in credit applications, mentioning factors such as financial stability, credit history, and market conditions. Be sure to discuss any methodologies or frameworks you use to assess risk and how you've successfully minimized such risks in past analyses.

Highlight your coaching and mentoring skills by describing how you tailor your feedback to be constructive and supportive, ensuring that junior analysts understand their strengths and areas for improvement. Share examples of how your feedback has led to better performance and more accurate assessments within your team.

Discuss your familiarity with relevant lending policies and how you incorporate these rules in your analyses for credit applications. Provide examples of how you've stayed up to date with policy changes and ensured that your recommendations adhere strictly to compliance requirements.

Describe your collaborative approach by discussing the importance of open communication with sales teams. Mention how you’ve facilitated training or shared insights on the credit analysis process to enhance the quality of the submissions, thus fostering stronger teamwork and better outcomes.

Talk about your proficiency with financial analysis software, credit scoring systems, and any excel functions or tools that you regularly use. Being specific about the tools you've used will show your technical competence, which is essential for a Senior Commercial Credit Analyst at Lumi.

Elaborate on your time management strategies, such as prioritizing tasks, creating checklists, or using project management tools. Providing examples of how you manage deadlines without compromising the quality of your analyses will demonstrate your organizational skills.

Share a real-life example where you faced a complex credit decision, describing the challenges involved and how your analysis led to a well-informed decision. Emphasize the positive outcomes resulting from your decision, showcasing your critical thinking and problem-solving abilities.

Reflect on what drives you in your work, whether it's the satisfaction of contributing to business growth, mentoring others, or solving complex financial challenges. Addressing your intrinsic motivation will resonate with Lumi's emphasis on passion and curiosity.

Express your alignment with Lumi's values and mission. Highlight what specifically about the company culture, growth opportunities, and the focus on supporting SMEs appeals to you. Demonstrating your enthusiasm for the role and company will leave a positive impression on interviewers.