Senior Credit Analyst

Posted: Friday, 25 July 2025
Valid Thru: Sunday, 24 August 2025
Index Requested on: 07/25/2025 20:26:11
Indexed on: 07/25/2025 20:26:11

Location: OGDEN, UT, 84201, US

Industry: Financial Services
Occupational Category: 13-0000.00 - Business and Financial Operations
Type of Employment: FULL_TIME

Transportation Alliance Bank Inc. is hiring!

Description:

Sr. Credit Analyst will review, analyze, and adjudicate small to medium-sized business (SMB) loan applications, from a diverse set of industries and from borrowers nationwide. The Sr. Credit Analyst will work with many different areas of the Bank, including portfolio managers, legal documentation specialists, collateral specialists, and funders, in addition to third-party referral sources. This position requires building strong interpersonal relationships with both internal and external customers. Advanced customer service skills and attention to detail are a must, as seamlessly handling multiple tasks at once will be expected.

The ideal candidate will understand bank processes, possess the ability to work with limited supervision, possess excellent communication skills, and have the desire to innovate and improve processes at the Bank.

Daily responsibilities include reviewing, analyzing, and adjudicating SMB loan applications, preparing credit summaries, and presenting those summaries for approval, and managing the funding process after the loan is approved.

Essential Duties and Responsibilities:

  • Effectively use credit skill sets, experience, and knowledge to underwrite transactions and to make credit decisions.
  • Analyze financial statements and ratios, business/product cycles, industry risk, management strengths and weaknesses, historical and projected operating performance, cash flow coverage, and credit reports, to develop an assessment of the credit risk and determine credit worthiness.
  • Prepare financial statement spreads upon review of tax returns and financial statements to assist in evaluating financial condition, operating trends, and repayment/cash flow capacity of prospective borrowers.
  • Analyze personal financial statements and income tax returns of prospective individual guarantors.
  • Correspond verbally and in writing with prospective borrowers to gain an understanding of business practices and processes.
  • Prepare credit summaries and present for approval.
  • Effectively utilize credit approval authority up to assigned amount.
  • Communicate loan decisions to prospective borrowers and explain the reasoning behind those decisions.
  • Support the transition from approval to funding for each approved loan request.
  • Ensure compliance with bank policies.
  • Other duties as assigned.

Required Education and Experience:

  • Bachelor’s degree in finance, accounting, economics and/or related field of study, or comparable work experience
  • One to two years’ commercial credit experience

Competencies:

  • Utilize software packages including Microsoft Office (Word, Excel, Outlook, etc.)
  • Review and analyze various third-party credit reports, tax returns, financial statements, and bank statements to recommend sound credit decisions.
  • Work effectively with limited supervision, be very proactive, and juggle multiple tasks at once.
  • Excellent time management skills and ability to meet deadlines.
  • Strong written and verbal communication and presentation skills.
  • Outstanding organizational skills.
  • Strong customer service skills.
  • Strong analytical skills and exceptional attention to detail.

TAB Bank Offers:

  • Onsite Gym
  • Tuition Reimbursement
  • Paid Holidays
  • Gym Reimbursement
  • College Scholarships for Employees and Families
  • 401(k)
  • Paid Time Off (PTO)
  • Employee Assistance Program (EAP)
  • I Made the Grade
  • Holiday Club Program
  • Medical, Dental, Vision, Life and AD& D, Voluntary Disability, Flex Spending & Dependent Care

TAB Bank will not sponsor applicants for work visas.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Responsibilities:

Please review the job description.

Educational requirements:

  • high school

Desired Skills:

See job description

Benefits:

Please see the job description for benefits.

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