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Queenstown Bank · 1 month ago

Senior Credit Analyst / Credit Manager

Queenstown, MD, US

Full-time

Onsite

Senior Level, Lead/Staff

$85K/yr - $110K/yr

8+ years exp

Queenstown Bank is a financial institution focused on enhancing the lives of its colleagues, customers, and community. The Senior Credit Analyst / Credit Manager is responsible for overseeing the credit analyst team and reviewing the creditworthiness of commercial and consumer borrowers through financial analysis, ensuring effective risk management and compliance within the credit administration function.

BankingFinancial Services

Responsibilities

Organize and staff the credit administration function effectively and build a qualified, capable and results-oriented team

Oversee pipeline management process

Maintain appropriate risk management, internal control and compliance systems in the credit administration function

Oversight and management of the Credit Analyst team, including staff performance management

Analyze financial and related data to determine creditworthiness of the prospective customers and the merits of the loan request for commercial borrowers and to monitor trends in performance

Underwrite or provide analysis of the most complex and large credit exposure deals

Ensure approval packages are complete, accurate and in accordance with the lending policy

Maintains credit files on-going to ensure that background and historical data, financial statements, tax returns, loan commitments, collateral, correspondence, and other supporting documents are included and current

Maintains a positive and productive working relationship with all members of management, loan officers and Bank staff

Adheres to Bank policies and procedures required by federal and state statutes, laws and regulatory rules

Adheres to Company’s Safety and Security Policies and Procedures

Adheres to Company’s behavioral standards and Core Values, which are Trust, Customer Commitment, Teamwork, Excellence and Performance

Performs other duties as assigned by management

Qualification

Commercial credit analysisFinancial analysisLoan underwritingSupervisory experienceMicrosoft OfficeCredit risk managementCommunication skillsOrganizational skillsProblem-solving skillsAttention to detail

Required

Equivalent experience required

Minimum of eight years' experience in commercial credit analysis or related credit risk management

Supervisory experience required

Expert knowledge and understanding of commercial and consumer loan documentation and third party due diligence, such as real estate appraisals and environmental reports

Ability to analyze financial reports and statements

Proficient computer skills including use of Microsoft Office (Word, Excel, & Outlook)

Excellent listening, verbal and written communication skills

Familiarity with related laws and compliance administration

Strong organizational, mathematical and problem-solving skills

Detailed oriented, ability to manage priorities and workflow

Ability to maintain confidentiality