Senior Credit Analyst-Moorefield or Charleston WV

JOB TITLE:                                      Senior Credit Analyst Entity (SFG, SCB):                         SCB-8110 Job Classification:                         Exempt, Full-Time Department:                                     Credit Analysis Reports to:                                       SVP, Director of Credit Administration Education requirements:             Bachelor’s degree in Business, Accounting or Finance. Preferred experience in lending, financial statement auditing, or tax preparation. Experience or Skill requirements:  Microsoft Excel experience required. Microsoft Word and Outlook experience preferred. Proficient with technology and ability to learn new applications. Advanced analytical skills, critical thinking and verbal and written communication skills. Duties: Complete credit analysis for all business loan requests as required by SFG Loan Policy. Complete annual credit analysis for borrowers with an aggregate exposure meeting the scope of annual loan review by set deadlines and guidelines. Review loan structure and recommend certain modifications and/or covenants as deemed necessary. Independent authority to recommend a loan outside of loan policy guidelines. Meet regularly with Director of Credit Administration to propose loan policy improvements and updates. Assist in providing business partners credit lending policy interpretation. Lead credit risk management activities through performing stress tests and annual financial reviews and risk rating analysis. Assist Director of Credit Administration, as needed, with preparing, reviewing, and analyzing loans that are presented at the Holding Company Loan Committee. Assist, as needed, in supporting the lending staff on preparing presentations within the Loan Vantage system. Assist in performing quarterly stress test reports on concentrations within the loan portfolio. Assist in preparing quarterly reports, as needed, for financial reporting purposes. Stays abreast of current developments in loan policy and procedures through reading, research and formal education. A focus on continuous learning to keep up with ever-changing market dynamics. Mentor Junior Credit Analysts. This candidate must be comfortable handling a large number of deals daily, and thrive in a high pressure, results driven environment. He/she must be able to adapt quickly and efficiently. Other duties as assigned. Relationships: Credit Analyst works closely with Commercial Lenders, loan assistants and members of Holding Company Loan Committee.   Summit provides equal employment opportunities in all aspects of employment. All employment decisions are made without regard to race, color, religion, age, sex (including pregnancy, sexual orientation, or gender identity), national origin, disability status, genetics, protected veteran status, or any other characteristic protected by federal, state, or local laws. Salary Information: Annual salary varies, based on experience.