Commercial Credit Senior Associate, C&I
$113,300–$188,800 year
On-siteBaltimore, Maryland, United States
Job Summary
Underwrite new commercial credit requests and manage material modifications from deal screen through approval and the life of the loan. Conduct continuous credit monitoring activities, including annual reviews, covenant monitoring, and problem loan management, to identify emerging risks and assign accurate risk ratings. Analyze financial statements, tax returns, and due diligence reports to prepare independent credit quality assessments, financial models, and cash flow schedules. Partner with relationship managers on complex transactions, recommend terms and conditions, and present findings during committee discussions. Ensure compliance with credit policies and regulatory requirements while identifying and escalating risk-related issues.
Required Qualifications
- Bachelor's degree in Accounting, Finance, Economics, or related field
- 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis
- In lieu of a degree, a combined minimum 9 years' higher education and work experience, to include 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis
- Strong analytical skills with proficiency in financial modeling and analysis of credit metrics
- Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis
- Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently
- Excellent verbal and written communication skills
- Critical thinking and problem-solving abilities
- Attention to detail and high level of accuracy
- Ability to work independently and as a part of a team
- Strong organizational and time management skills
- Customer focused with strong interpersonal and relationship building skills
- Proficiency in Microsoft Office
- Location Baltimore, Maryland, United States of America
Desired Qualifications
- Experience with Capital IQ, FactSet, and Bloomberg
- Experience with nCino
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