Senior Commercial Credit Analyst

BankNewport

. Analyze and interpret financial statements and related information for commercial loan customers and prospects .

Posted 9/21/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial analysis, credit evaluation, and risk assessment for commercial loans, with a strong focus on effective communication and collaboration with stakeholders. Proficient in using financial software and tools to prepare credit approval memorandums and conduct thorough due diligence.

Highest-signal resume keywords

Financial Statement AnalysisCredit Approval Memorandum PreparationRisk Assessment and UnderwritingNCino ProficiencyBanking Laws and Regulations Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AnalysisCredit EvaluationRisk Rating AssignmentRatio AnalysisDue DiligenceLoan Policy Exception IdentificationCash Flow AnalysisBalance Sheet AnalysisSensitivity AnalysisMarket Analysis

Soft Skills

Analytical SkillsCommunication SkillsOrganizational SkillsInterpersonal SkillsDetail-Oriented

Tools & Technologies

WORDExcelNCino

Industry Keywords

Commercial LoansCRE LoansC&I LoansUnderwriting ProcessCreditworthiness EvaluationFinancial Statement InterpretationBank Commercial Loan Analysis

About the role

Key responsibilities & impact

Analyze and interpret financial statements and related information for commercial loan customers and prospects
Prepare credit approval memorandums for extensions of credit
Evaluate creditworthiness and risks during the underwriting process
Collaborate with Loan Officers to establish credit granting criteria
Analyze commercial credit loan requests, including new loans, material loan modifications, credit change requests, renewals, and annual relationship reviews
Spread, analyze, and interpret financial statement information for existing and prospective clients
Prepare financial analyses of businesses and guarantors, including cash flow, balance sheet, sensitivity, property and market analyses, and ratio analysis
Use WORD, Excel, and nCino for financial analysis and credit approval memorandums
Complete due diligence by reviewing credit bureau reports, industry data, appraisal reports, and environmental research reports
Form conclusions and communicate findings to management
Identify loan policy exceptions and red flags during underwriting
Assign risk ratings
Prepare credit approval memorandums in nCino for approval by appropriate authorities
Provide guidance and direction to junior underwriters and analysts
Build business and customer relations through consistent and effective communication
Perform other assigned duties

Requirements

What you’ll need

Either college degree, formal credit training, or a minimum of five years of bank commercial loan analysis experience with both CRE and C&I loans
Strong analytical and interpretive skills
Good communication, organizational, and interpersonal skills
Strong written communication skills to properly complete credit approval memorandums
Detailed knowledge of banking laws, rules, and regulations
Detail-oriented and able to multitask with an emphasis on deadlines
Ability to travel independently to the primary work location, other bank properties, and work-related activities or events
Ability to communicate and exchange accurate information effectively
Ability to independently operate a computer and office machinery, including software programs related to the position
Ability to sit or stand at a workspace and use a computer or other equipment for prolonged periods
Ability to meet hybrid work schedule requirements
Ability to move office items weighing up to 35 pounds

Benefits

Comp & perks

Remote work arrangement
Hybrid work schedule with office attendance on Mondays, Wednesdays, and another day of choice
Reasonable accommodations for individuals with disabilities
Equal Employment Opportunity