JOB TITLE: Senior Credit AnalystDUTIES: Analyze potential clients’ business model, industrial review and financial status, including corporate or individual financial statements, tax returns, and balance sheet and income statement analysis in order to determine the feasibility of as a prospective borrower or determine risk exposure in extending credit facilities for existing clients; Use predictive analytics to identify strengths and weakness of underlying credit requests, and conduct financial ratio analysis, management and industry evaluation, and cash flow forecasting to determine long term viability of commercial loans; Review personal and business assets for collateral valuation; Underwrite commercial loan request for potential and existing clients of middle market companies; Evaluate total loan to value calculations for compliance with bank policy; Generate financial ratios and other analysis report using credit spreading software to determine customers’ financial health; Complete loan applications and submit to senior management for approval; Continuously monitor and review commercial credit relationships for accurate risk ratings of loans and early identification of deterioration in credit quality.REQUIREMENTS: Bachelor’s degree in Finance or related.