Job Description

Level: Experienced
Job Location: Rahling - Corporate HQ - Little Rock, AR 72211
Position Type: Full TimeEducation
Level: 4 Year Degree
Travel Percentage: None
Job Shift: Day
Job Category: BankingJob

Summary:
The Credit Analyst IV serves as the senior credit resource within the credit analysis team, responsible for underwriting the most complex commercial loan requests, guiding strategic credit decisions, and ensuring adherence to bank policies and regulatory standards.  This role involves providing mentorship, quality control, and driving process improvement initiatives to ensure consistency across the credit team.  Analysts at this level collaborate closely with senior credit leadership and Relationship Managers to structure sophisticated transactions and manage loan portfolio risk at a strategic level.
Primary Duties and Responsibilities:
The duties listed below are some of the duties that may be assigned and may not include all responsibilities that the person in this role may be asked to perform. The incumbent may be required to perform other related duties as assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job duties.
- Oversee and provide final review of due diligence for highly complex and structured credits; acting as escalation point for critical issues.
- Underwrite and provide recommendations for complex commercial loan requests, ensuring alignment with risk appetite and regulatory requirements.
- Evaluate and structure loan proposals at the highest level of complexity, delivering strategic recommendations to Relationship Managers and Credit Officers.
- Lead complex collateral evaluations for high-value or specialized assets, ensuring appraisal methodologies align with policy, interpreting valuation results for credit decisions, and assessing environmental risk implications.
- Ensure adherence to loan policies, procedures, and regulatory standards to all credit decisions by acting as subject matter expert on policy interpretation.
- Assist the team manager in workflow oversight, pipeline management, and work assignment as needed.
- Understand and apply bank policies and procedures, ensuring all underwriting and credit decisions comply with internal standards and regulatory requirements.
- Manage multiple priorities in a fast-paced environment, with minimal to no oversight; demonstrate ability to reprioritize quickly and maintain accuracy under pressure.
- Participate in client meetings and support business development through strategic credit insight.
- Mentor and coach credit analysts at all levels, providing feedback, training, and development plans to build team capability.
- Drive process improvements to enhance efficiency and strengthen risk management across the credit team.
- Advise senior credit managers on portfolio risk trends and contribute to credit policy development.
- Support Encore Bank’s overall credit and risk culture through leadership and collaboration.
- Perform other duties as assigned.
Type and Scope of Supervisory Responsibilities:
- This position has no direct supervisory responsibilities

QualificationsSkills and

Qualifications:
- Bachelor’s degree required in finance or an appropriate combination of education and experience
- Advanced credentials (CFA, CPA) preferred
- Minimum 7 years of credit analysis experience, with at least 5 years in banking or financial services
- Extensive experience in commercial lending, C&I, and CRE transactions
- Excellent communication (verbal and written), interpersonal and organizational skills
- Independent, resourceful, and goal-oriented
- Highly analytical, detail-oriented with problem-solving capability
- Ability to lead and mentor junior analysts
- High level of accountability and the ability to effectively prioritize tasks
Computer and Office Equipment Skills:
- Proficiency with Microsoft Office products, including Word, Excel, and PowerPoint
Attendance Requirements:
- Daily attendance required in the work environment during normal business working hours which are Monday through Friday 8:00 am to 5:00 pm
- In-person and/or hybrid attendance is occasionally required for company and/or team meetings or onsite visits to clients as required
Position Type/Expected Hours of Work:
- This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m.
- Occasional evening and weekend work may be required as job duties demand.
Travel:
- Travel is primarily local during the business day, although some out-of-area and overnight travel may be expected
Physical Requirements:
The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform essential functions.
- While performing the duties of this job this individual is regularly required to stand for long periods of time, walk, sit, talk, hear, use their hands and fingers (manual dexterity), use a telephone, and occasionally lift and /or move up to 25 pounds.
- Specific vision abilities required by this position include close vision, and the ability to adjust focus.
Mental Requirements:
- The ability to solve problems, make decisions, supervise others, interpret data, organize information, written and oral communication and read/write.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
Encore Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, age, ancestry, citizenship, sex, sexual orientation, gender identity, national origin, marital status, genetic information, physical or mental disability, veteran status or any other characteristic protected by law.