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Centennial Bank · 4 months ago

Senior Credit Analyst/Underwriter

Jonesboro, Arkansas, United States

Full-time

Onsite

Senior Level

7+ years exp

Centennial Bank is seeking a Senior Credit Analyst/Underwriter to perform financial analysis and underwriting of credits to assess risk and monitor existing loans. The role involves generating financial spreads, creating credit memos, and mentoring junior analysts while supporting the bank's lending operations.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Generate financial spreads, or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends. This duty is performed daily, about 20% of the time

Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows/project analysis on an accurate and timely basis. This duty is performed daily, about 20% of the time

Create credit memos and annual reviews, as defined in current department procedures. This duty is performed as needed, about 35% of the time

Attend loan committee meetings when directed by management. This duty is performed daily, about 10% of the time

Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager. This duty is performed weekly, about 10% of the time

Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis. This duty is performed weekly, about 5% of the time

Act as back up the Regional Manager or other CA leader in the review of work product performed by other Analyst's on the team. This duty is performed as needed

The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily

Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly

Perform any other related duties as required or assigned

Qualification

Financial analysisUnderwritingMicrosoft ExcelMicrosoft WordMathematical conceptsSupervisory skillsCritical thinkingCommunication skillsMentoring

Required

Equivalent to a four year college degree

7 years related experience and/or training

4 years related management experience

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc

Ability to write reports, business correspondence, and policy/procedure manuals

Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public

Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents

Ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry

Ability to define problems, collect data, establish facts, and draw valid conclusions

Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables

Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing

Intermediate: Alphanumeric Data Entry

Basic: Human Resources Systems, Presentation/PowerPoint

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws

Supervises a small group (3-7) of employees, usually of lower classifications

Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time

Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied

Supervises the following departments: Credit Analysts and Underwriters

Seven (7) or more years of related experience and/or training

Analytically minded and possess good judgment

Ability to mentor others or delegate and oversee quality and accuracy of work product given to others

Proficient in Microsoft Word and Excel

Company

Centennial Bank

Centennial Bank offers businesses, investors, and municipalities a wide range of commercial, retail banking, and related financial services.

Founded in 1999

Conway, Arkansas, USA

1001-5000 employees

https://www.my100bank.com/

H1B Sponsorship

Centennial Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

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Trends of Total Sponsorships

2025 (1)

2021 (1)