General Summary

The Senior Credit Analyst serves as a team lead and mentor for the credit analyst team. The Sr Credit Analyst will play a vital role in the NewFirst Commercial, Real Estate and Agricultural lending process providing analytical and technical skill sets to facilitate the underwriting decision-making.  This position with handle all underwriting for complex credits as well as supervising the work of the credit analyst team.  

Job Responsibilities

Primary duties include, but are not limited to, the following:

· Supervise the team as they analyze and underwrite new & renewed loan requests. Loan types include investment real estate, construction and development loans, operating credit requests (lines of credit and equipment purchases), and agricultural loans.

· Will spread and analyze financial information for all lenders and branches within the market.

· Participate with sales in the formation of credit officer memos providing financial analysis support to the process. 

· Monitor and evaluate post funding performance and draw requests.

· Participate in Loan Committee meetings with Lenders.

· Be prepared to support loan analysis conclusions to all effected parties (sales, underwriting, senior management, BOD, examiners) including the customer.

· Assist the sales process with administration of Sales Contact files including creation of reports, sales meeting preparation and training of users.

· Perform other duties as required and support all team functions as necessary.

Interpersonal and Professional Competencies to include:

The successful candidate should have

· Experience managing/supervising a team within credit administration. 

· A thorough understanding of financial statements including balance sheets, income statements and statements of cash flow.

· Extensive experience in Microsoft Excel including financial, data, and logic formulas, and pivot tables.

· The ability to manage multiple assignments, prioritize, and deal with changing deadlines with limited supervision.

· Excellent verbal and written communication skills. 

· A strong work ethic, self-motivation, and an aptitude for critical thought and decision making.

· An ability to maintain sensitive and confidential information

Minimum Level of Education 

· A minimum of a Bachelor’s degree in a relevant business field, such as Accounting, Finance, or Economics, and 5+ years in financial services.