Senior Commercial Credit Analyst

Park Avenue Group, a division of Angott Search Group,  is pleased to partner with a respected financial institution in the search for a Senior Commercial Credit Analyst. This position will play a critical role in evaluating and underwriting complex commercial, commercial real estate, and other credit requests while providing lenders and senior leadership with thoughtful, well-supported credit analysis.

The Senior Commercial Credit Analyst will work closely with lending and credit teams, independently managing complex transactions and serving as a trusted resource throughout the underwriting and portfolio management process.

What You'll Do:

• Underwrite new commercial, commercial real estate, and consumer credit requests, including renewals, modifications, annual reviews, and loan increases.
• Prepare comprehensive credit approval memoranda outlining borrower and guarantor background, loan purpose, sources of repayment, financial performance, risk factors, and recommendations.
  
• Spread and analyze business and personal tax returns, financial statements, K-1s, rent rolls, personal financial statements, projections, and other supporting documentation.
• Evaluate cash flow, debt service coverage, global debt service coverage, liquidity, leverage, collateral, guarantor strength, and repayment capacity.
• Apply the Five Cs of Credit to all credit decisions: Capacity, Capital, Collateral, Character, and Conditions. 
• Research industry trends and market conditions affecting existing and prospective borrowers.
• Review appraisals, environmental reports, construction reviews, property inspections, and other collateral documentation.
• Pre-screen prospective loans, modifications, and increases and recommend loan amount, structure, terms, covenants, and whether to proceed.
• Identify and escalate red flags, emerging risks, covenant violations, and early warning indicators.
• Monitor covenant compliance and communicate concerns to lending and credit leadership.
• Communicate with borrowers as needed to obtain financial information, clarify underwriting questions, and understand business objectives.
• Collaborate with Loan Servicing and other internal teams to resolve pre-closing credit conditions.
• Assist with collateral monitoring, portfolio stress testing, and other credit risk initiatives.
• Maintain accurate credit files and ensure compliance with applicable policies, regulations, and risk-rating requirements.
• Coach and mentor Credit Analysts and Credit Specialists, helping develop their skills and ability to manage increasingly complex transactions.

What You Bring:

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Minimum of five years of commercial credit underwriting or analysis experience, including complex commercial and/or commercial real estate transactions.
• Formal credit training through a bank, institutional lender, RMA, ABA, or comparable program required.
• Strong understanding of commercial credit analysis, financial statement analysis, cash flow analysis, collateral evaluation, and risk assessment.
• Demonstrated ability to analyze complex financial statements, tax returns, projections, and other financial information.
• Strong financial statement spreading skills and proficiency with financial analysis software; Sageworks or similar experience preferred.
• Experience preparing sophisticated commercial credit memoranda.
• Intermediate-to-advanced proficiency in Microsoft Word and Excel.
• Excellent written and verbal communication skills with strong financial and credit vocabulary.
• Strong attention to detail, organization, judgment, and analytical skills.
• Ability to independently manage complex credit requests and collaborate effectively with lenders, credit leadership, and other internal partners.
• Experience coaching or mentoring junior credit professionals preferred.