• Sr. Credit Analyst II

    Posted Date 2 weeks ago(7/5/2018 1:59 PM)
    Job ID
    # of Openings
    Access National Bank
  • Position Summary

    Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit. Prepare credit reviews for use in decision making.

    Essential Functions


    • Complete financial statement spreads, personal cash flow and global debt service analysis. Generate financial ratios to evaluate balance sheet strength and performance trends.
    • Compare liquidity, leverage and profitability of borrowers to market trends and peer groups to determine risk.
    • Prepare written analysis and assign risk rating on both middle market and complex commercial transactions to determine the ability to service debt.
    • Work collaboratively with sales and credit partners.
    • Assess relationship quality and risk grade in conjunction with the annual loan review.
    • Continue to stay informed on Business Loan Policy and federal regulations.
    • Act as a resource for and assist in training junior analysts.
    • Other duties as assigned.



    • Bachelor’s degree in a business-related field or equivalent education and related training.
    • 10 to 15 years of experience in financial statement analysis and commercial underwriting.
    • Strong verbal and written communication skills.
    • Excellent interpersonal, analytical and problem solving skills.
    • Must have the ability to work independently and within a team environment.
    • Proficient in spreadsheet, word-processing and database applications including Microsoft Office
    • DESIRED SKILLS: Successful completion of a formalized credit program.


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