Senior Credit Analyst
$250,000–$250,000 year
On-siteMiami, Florida, United States
Miami, Florida, United StatesOn-siteFull Time$250,000–$250,000 yearSenior LevelBachelors DegreeSmall
Full TimeSenior LevelBachelors DegreeSmall
Job Summary
Conduct comprehensive credit analysis for commercial, consumer, and real estate loans, evaluating financial conditions, collateral adequacy, and client stability through detailed review of balance sheets, tax returns, and industry trends. Prepare written credit memoranda for loan officers, recommend loan terms and covenants, and monitor covenant compliance for assigned loans. Provide guidance to line partners and mentor Credit Specialists while assisting with portfolio stress tests. Reviews credits above $500K for commercial real estate and above $250K for commercial/consumer loans.
Required Qualifications
- Bachelor's degree in Accounting or Finance
- five years of commercial and commercial real estate underwriting experience
- equivalent combination of education and experience
- Working knowledge of applicable industry laws and regulations
- Solid understanding of commercial credit analysis
- Formal credit training
- Strong verbal and written communication skills
- PC proficient in MS Word and Excel
- All candidates for hire will undergo a credit and criminal background check
- Grove Bank & Trust is a drug-free workplace
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