Senior Business Lending Credit Analyst

Location

Job Description:

The Senior Business Lending Credit Analyst ensures Gate City Bank’s business loan portfolio remains financially sound by using discretion and independent judgment to conduct credit analyses including gathering, analyzing, and interpreting all types of business/commercial credit information on existing and prospective customers in order to maximize credit quality and minimize risk and potential loss.

ESSENTIAL FUNCTIONS:

• Analysis of complex and larger credit requests.

• Review of commercial appraisals and environmental studies.

• Train new Credit Analysts and Business Bankers.

• Manage business loan pipeline and disburses loan requests between Credit Analysts.

• Analyze credit requests (credit quality, financial analysis, collateral valuation, etc.), develop loan structure, terms, rates, and credit grades as required by Bank policy on new and renewal business purpose loans and makes recommendations accordingly.  Provide timely, accurate, and informative credit presentations.

• Follow up with the retail offices to ensure prompt receipt of necessary documentation from business loan applicants to process credit requests.

• Assess the quality of existing business loans/lines by completing an annual review (credit quality, financial analysis, collateral valuation, etc.), including proposing any credit grade changes of each business loan/line file as required by Bank policy, per predetermined schedule.

• Provide support, direction, and guidance to the retail office network regarding Business Lending.

• Participate in the completion of the Business Home Equity Line of Credit and High LTV Equity Loan Audits.

• Work closely with the Business Banking Department on quality control audit functions.

• Assist the Personal Lending and Mortgage Lending Underwriters in the analysis of income for self-employed borrowers when feasible.

Other:

• Provide a “Wow” customer service experience for team members and customers.

• Develop and maintain productive relationships with team members, leaders, customers, and vendors.

• Prompt and reliable attendance is essential in order to provide expected levels of service.

• Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations.

• Must be detailed-oriented and maintain high degree of accuracy.

• Ability to make decisions in a fast-paced environment.

EDUCATION AND EXPERIENCE:

Bachelor’s degree (B.A.) in Accounting, Finance or related program; 5 years financial analysis, accounting, or business lending experience; or equivalent combination of education and experience.

• Strong oral and written communication skills.

• Interpret and use data for decision making.

EOE/including Disability/Vets

Member FDIC