[Hiring] Senior Credit Analyst @Thrivent

Role Description

This position's primary responsibility is to provide expert financial analysis and credit worthiness of existing and new business lending and Treasury Management clients. In addition, the candidate will be responsible for managing the special assets and troubled loan monitoring for watchlist credits.

• Evaluate and review complex clients' business loan and Treasury Management requests.
• Make recommendations to lenders on the structure of loans and Treasury Management products.
• Ability to read, analyze, and interpret complex documents to assess risk factors and degrees of risk.
• Manage the ongoing review of credit relationships including loan memorandums and annual reviews.
• Provide recommendation to the lenders on credit structure based on working knowledge and credit policy.
• Primary contact and subject matter expert for SBA loan approval process.
• Review and prepare written analysis, spreadsheets, reports, summaries, and opinions for all loan activities.
• Excellent understanding of ratios, global universal cash flow analysis is a must.
• Serve as a credit policy and procedure expert for the business lenders and Treasury Management.
• Independently prepare and present to Loan/Credit Committee the troubled loan monitoring reports.
• Oversee the special assets and watchlist credits for commercial lending.
• Assist the accounting department with risk assessments on commercial, mortgage, and consumer lending portfolio.
• Work directly with external regulators on documentation and analysis requested.
• This role will interact with individual contributors within Thrivent, external vendors, contractors and/or consultants, Thrivent clients, Thrivent Senior Management, Board of Directors, manager and/or directors within Thrivent.

Qualifications

• 6+ years of financial analysis, commercial or business lending, and Treasury Management experience.
• A four-year degree in accounting, business, finance, or a related field or equivalent in experience is a minimum requirement. CPA designation a plus.
• Excellent knowledge of business lending and Treasury Management regulations and products/services including ACH and remote deposit capture.
• Work with lenders to explain to customers the different features and benefits of the products/services.
• Demonstrates excellent knowledge and application of business lending and Treasury Management credit policies and procedures.
• Excellent knowledge of bank industry and ability to present a professional and dynamic image.
• Able to produce results without direct supervision.
• Relies on experience and judgment to plan and accomplish assigned tasks.
• Assist in orienting and training lower level employees.
• Must exhibit excellent human relations and change management skills.

Requirements

• Strong Excel experience, including proficiency with advanced formulas, pivot tables, and data analysis.
• Non-profit lending and underwriting experience.
• Experience underwriting complex CRE loan requests.

Benefits

• Various bonuses (including, for example, annual or long-term incentives).
• Medical, dental, and vision insurance.
• Health savings account.
• Flexible spending account.
• 401k.
• Pension.
• Life and accidental death and dismemberment insurance.
• Disability insurance.
• Supplemental protection insurance.
• 20 days of Paid Time Off each year.
• Sick and Safe Time.
• 10 paid company holidays.
• Volunteer Time Off.
• Paid parental leave.
• EAP.
• Well-being benefits, and other employee benefits.