Senior Credit Analyst

Opus is partnering with an established Florida bank  to recruit for an experienced Senior Credit Analyst.

Overview –

The Senior Credit Analyst is primarily responsible for –

·         Analyzing credit and collateral information.

·         Underwriting loan requests.

·         Performing sensitivity analyses, tax analyses, loan pricing calculations and recommendations.

·         Presents findings to senior bank officers and Commercial Bankers and assists in market research on industries and potential customers.

Essential Functions -

·         Assists Commercial Bankers with the structuring of credits based on underwriting results and policy parameters; serves as a resource to Commercial Bankers regarding credit/industry analysis.

·          Participates in joint calling on credit customers/prospects; assists in development of new business through calling with commercial lending officers on existing or prospective customers to gather key information for credit analysis.

·         Conducts review of balance sheet and profit and loss statements presented by applicants for large commercial loans or lines of credit.

·         Spread and analyze financial statements; study and evaluate the information and prepare written reports/presentations for the lender and credit committee.

·          Comply with established internal controls including SOX compliance.  Comply with all federal and state regulations to include, but not limited to the Bank Secrecy Act.

·         Promotes and cross-sells other establishment products and services as appropriate to customer requirements.