SR Credit Analyst

About The Company The Symicor Group is a distinguished boutique talent acquisition firm headquartered in Schaumburg, Illinois, with an additional office in Rockport, Texas. Renowned for its specialized focus on banking and accounting sectors, the firm prides itself on its unique value proposition of sourcing the best available talent across the nation. What sets Symicor apart is its team of recruiters, many of whom are former bankers or accountants, providing them with an in-depth understanding of industry-specific requirements and standards. This expertise enables Symicor to effectively evaluate and identify top-tier candidates who can meet the nuanced demands of financial institutions and accounting firms. The company is committed to delivering exceptional results for clients seeking high-caliber professionals and for candidates aspiring to advance their careers in banking and finance.

About The Role The Symicor Group is currently seeking a highly skilled and experienced Senior Credit Analyst to join a prominent banking client in a fully remote capacity. This role involves comprehensive analysis of financial statements and other pertinent data to accurately determine the creditworthiness of commercial loan applicants. The Senior Credit Analyst will play a vital role in assessing potential risks, structuring loans appropriately, and ensuring that lending decisions are well-informed and aligned with the bank’s risk management policies. The position offers a competitive salary of up to $105,000 along with a comprehensive benefits package. As a remote role, it provides flexibility and the opportunity to work from anywhere while contributing to the financial stability and growth of the client’s lending operations.

Qualifications

• A Bachelor’s Degree in finance, accounting, or a related field is preferred, along with specialized financial analysis training.
• Minimum of five years of experience as a Credit Analyst, preferably within commercial banking or a similar financial environment.
• Proven experience in preparing detailed credit presentations and analysis reports.
• Ability to manage and process annual reviews of existing credits efficiently.
• Comprehensive knowledge of current lending regulations, banking procedures, and credit review standards.
• Strong proficiency in analyzing and interpreting financial statements and cash flow data.
• Excellent written and verbal communication skills, with the ability to present complex financial information clearly and concisely.
• Exceptional organizational skills with meticulous attention to detail.
• Ability to handle multiple tasks simultaneously in a fast-paced environment.
• Proficiency in spreadsheet and word processing software, with experience in digital office environments.

Responsibilities

• Prepare both basic and comprehensive credit analyses for commercial loans, facilitating the approval process for loan officers and decision-making committees.
• Thoroughly analyze complex commercial credits, considering factors such as income growth, profit margins, industry trends, management quality, market share, and collateral evaluation.
• Draft and submit credit approval documents to appropriate personnel for review and decision-making.
• Create detailed loan presentations for the commercial loan committee, highlighting key financial and risk factors.
• Assist lenders in evaluating credit proposals and structuring loans to optimize risk mitigation and profitability.
• Assign credit grades to new and existing loans based on thorough analysis and risk assessment.
• Develop financial projections and conduct stress testing to evaluate potential loan performance under various economic scenarios.
• Present financial analyses and loan recommendations to the loan committee, participating in discussions and voting processes.
• Conduct audits on commercial loans to ensure proper documentation, identify credit exceptions, and provide recommendations for resolution.
• Maintain an up-to-date list of loans pending funding and monitor ongoing credit exceptions to ensure compliance and risk management.

Benefits The successful candidate will enjoy a competitive salary package of up to $105,000, complemented by a comprehensive benefits package that includes health insurance, retirement plans, paid time off, and professional development opportunities. The remote nature of this position offers flexibility, allowing for a healthy work-life balance and the ability to work from any location. The company fosters a collaborative and supportive work environment, encouraging continuous learning and career growth. Employees are provided with the tools and resources necessary to excel in their roles and contribute meaningfully to the organization’s success.

Equal Opportunity

The Symicor Group is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, religion, national origin, gender, age, disability, sexual orientation, or any other protected characteristic. We believe that a diverse workforce enhances our ability to serve our clients effectively and fosters innovation within our organization. All qualified applicants will receive consideration for employment without regard to any protected status.