The Senior Credit Analyst is responsible for evaluating commercial credit opportunities and providing analytical support to lending teams through comprehensive financial analysis, risk assessment, and credit underwriting. This role serves as a subject matter expert within the Credit Department, handling complex credit relationships while delivering sound credit recommendations that support the bank's growth objectives and risk management standards.
The Senior Credit Analyst also works closely with Commercial Lenders, Credit Administration, and leadership to assess borrower financial performance, identify key credit risks, and facilitate informed lending decisions. In addition to managing more complex credit relationships, this position serves as a mentor and resource to Credit Analysts, promoting consistency, efficiency, and quality within the credit underwriting process.
Key Responsibilities
- Analyze commercial loan requests through detailed evaluation of borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
- Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
- Identify trends, strengths, weaknesses, and emerging risks impacting a borrower's financial performance.
- Complete accurate and comprehensive credit presentations, loan approval packages, annual reviews and renewals.
- Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
- Meet established service level expectations and underwriting deadlines.
- Serve as a trusted advisor to commercial lenders and credit leadership by providing timely and accurate financial analysis and risk-based recommendations.
- Effectively communicate financial results, credit risks, and mitigating factors to support sound lending decisions.
- Assist lenders in understanding industry-specific financial considerations, operating trends, and market conditions affecting borrower performance.
- Maintain strong working relationships with lending teams and other key stakeholders across the organization.
- Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
- Ensure risk ratings accurately reflect the current condition of borrowing relationships.
- Support ongoing credit quality initiatives and portfolio monitoring activities.
Credit Analysis & Underwriting
Commercial Lending Partnership
Portfolio Management & Risk Assessment
Required Competencies
- Advanced financial statement analysis
- Commercial credit underwriting
- Cash flow analysis and debt service evaluation
- Risk assessment and problem solving
- Commercial loan structuring
- Critical thinking and problem-solving
- Attention to detail and accuracy
- Strong written and verbal communication skills
- Ability to communicate complex financial concepts to diverse audiences
- Professional judgment and decision-making
- Collaboration and partnership-building
- Effective presentation and consultation skills
- Initiative and accountability
- Intellectual curiosity and continuous learning
- Organizational and time management abilities
- Adaptability and process improvement mindset
- Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
- Experience using credit analysis software, financial spreading tools, and loan origination systems.
- Ability to leverage technology and reporting tools to enhance analytical effectiveness and operational efficiency.
- Bachelor's degree in Finance, Accounting, Economics, or a related field required.
- Minimum of five (5) to seven (7) years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role.
- Demonstrated experience analyzing complex commercial credit relationships across a variety of industries.
- Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures.
- Bilingual/Multilingual
Technical & Analytical
Communication & Relationship Management
Leadership & Professional Development
Technology
Education & Experience
Bonus Points:
What we can offer you:
Medical, dental, vision, STD, LTD, Life insurance, etc.
17 days paid time off, 11 paid holidays, and bereavement leave
Education Assistance Program
Paid Parental Bonding Leave
Wellness benefits
Life event coverage
Service awards
Financial benefits including 401(k) match, stock purchase plan and more
Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping
Logo wear discounts
Free checking account, checks and discounted bank services
About Us:
German American Bancorp and its family of financial services companies employ talented, compassionate people throughout the organization, truly making German American special. Delivering genuine, customized, personal service with a focus on truly serving customers and communities well, our employees bring the Shield of Excellence commitment to life with each and every interaction.
German American Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (pregnancy, sexual orientation, or gender identity), age (40 or older), national origin, genetic information, veteran status, disability, or any other basis protected by law.
German American is committed to the full inclusion of all qualified individuals. As part of this commitment, if you require reasonable accommodation in completing the application process, interviewing, or completing any pre-employment testing, please direct your inquiries to our Talent Acquisition team at 812-482-0717 or [email protected].
German American employees are required to adhere to laws and regulations applicable to banks and to German American policies and procedures. Applicants should expect to complete necessary pre-employment screening pursuant to these laws, regulations, and policies.
Skills Required
- Bachelor's degree in Finance, Accounting, Economics, or a related field
- Five to seven years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role
- Experience analyzing complex commercial credit relationships across a variety of industries
- Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures
- Advanced financial statement analysis skills
- Commercial credit underwriting experience
- Cash flow analysis and debt service evaluation skills
- Commercial loan structuring experience
- Microsoft Office Suite proficiency, including advanced Microsoft Excel skills
- Experience using credit analysis software, financial spreading tools, and loan origination systems
- Bilingual or multilingual ability
What We Do
German American Bancorp is a financial holding company whose banking subsidiary, German American Bank, serves individuals and businesses across Indiana, Kentucky, and Ohio. It offers banking and wealth-management services through a network of local offices; in Columbus and Greater Cincinnati it operates as Heartland Bank, a division of German American Bank. Founded in Jasper, Indiana, the organization emphasizes helping employees, clients, communities, and shareholders thrive.
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