Job Description

Job Title: Senior Commercial Credit Analyst

The Senior Commercial Credit Analyst is responsible for providing all aspects of credit analysis

for current and prospective relationships within the Commercial Department. In addition, these

analysts work closely with Portfolio and Relationship Managers to service clients, help

lead/mentor Commercial Analyst Trainees and Commercial Credit Analysts and contribute to

sales opportunities.

Responsibilities:

Prepare and present detailed credit memos on existing and prospective customers, including

independent judgment and individualized assessment of financial statement analysis, risk code

management, and loan structuring.

Support Portfolio and Relationship Managers with existing relationships, commercial credit

responsibilities, and business development/networking opportunities with existing commercial

loan portfolios. Help identify opportunities for appropriate introductions with other business

units to deepen the relationships.

Provide mentorship and guidance to Commercial Credit Analysts by assigning and tracking their

day-to-day duties and assisting with the allocation of their workloads.

Independently research and analyze third party reports and data to assess and determine various

industries and market conditions.

Participate in the training, coaching, and mentoring of Commercial Analyst Trainees and

Commercial Credit Analysts.

Provide guidance, identify issues, and recommend alternatives for ongoing processes to Loan

Operations, Collateral Management, and Treasury Management departments.

Provide high-level customer communication for commercial loan requests, including assessing

and implementing appropriate responses with various Bank teams.

Demonstrate strong attention to detail, time management skills, and the ability to work well in a

fast-paced environment.

Ensure compliance with Bank policies and applicable regulations.

Participate in regular Commercial Department meetings as well as respective loan division’s

short-term and long-term planning.

Exemplify best practices in loan analysis and credit assessment to set a high standard for the

analysts.

Conduct and complete additional assignments/projects as designated by management.

Qualifications:

Education:

Bachelor’s degree required with a focus in accounting, business, economics, or finance preferred.

Experience:

Minimum of one year commercial credit analysis required.

Successful completion of a formal credit training program required.

Communication Skills:

Must be professional and comfortable speaking with an ability to tailor the message

appropriately based on the situation.

Bilingual Spanish highly preferred.

Demonstrated ability to convey thoughts and ideas effectively and succinctly via written formats,

including emails, letters, and electronic platforms. Maintain professional standards relating to

spelling and grammar.

Maintain credibility through professional demeanor, appearance, and presence by modeling

standards appropriate to our environment and industry.

Maintain good working relationships with internal partners by exhibiting exemplary

interpersonal skills, adopting a constructive, solutions-focused approach.

Use sound professional judgment to balance the interests of the organization and customer,

understanding and using available resources to mitigate risks.

Computer Skills:

Proficiency with Microsoft 365 products and applications, including the ability to effectively

prepare or review documents, procedures, and reports. Working knowledge of Microsoft Excel

required.

Demonstrated ability to learn new systems and applications, as well as the ability to understand,

adapt and adjust responsibilities/workflows as a result of system upgrades.

Travel:

This position requires regular travel to various locations throughout the Bank's Miami, FL

market; occasional out-of-state travel may be required.

Scheduling/Hours:

Typical hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. Additional hours may be

required depending upon business need.

Punctuality is required to maintain First American Bank’s customer service standards.