Overview

Senior Credit Analyst — Where Insight Meets Impact

Thrive where expertise, leadership, and smart decision‑making come together.

Are you someone who enjoys turning complexity into clarity? Do you take pride in your ability to connect numbers, strategy, and sound judgment—while helping others grow along the way? If you’re ready for a role where your experience truly matters and your voice carries weight, we’d love to meet you.

At our organization, credit analysis isn’t just about reviewing information—it’s about supporting progress, strengthening partnerships, and making confident decisions that move the business forward. This role is perfect for someone who enjoys both deep analysis and collaborative leadership.

What Makes This Opportunity Stand Out

• Lead with influence — guide, support, and elevate a team of talented professionals
• Dive into meaningful work — no cookie‑cutter requests here; every day brings new challenges
• Be a trusted partner — work closely with commercial teams and leadership
• Make your mark — contribute ideas that refine processes and elevate quality
• Balance autonomy and teamwork — trusted to work independently, supported by a strong team

Who You’ll Thrive As

You’re analytical, detail‑driven, and thoughtful in your approach. You enjoy mentoring others, sharing knowledge, and fostering a spirit of collaboration. You value accuracy, integrity, and sound judgment—and you bring a calm, confident presence to complex situations. You’re the kind of professional others trust.

Why You’ll Love Working Here

• A culture that values ethics, accountability, and growth
• Leaders who respect expertise and encourage continuous improvement
• A team that communicates openly and supports one another
• Work that is both intellectually engaging and professionally rewarding

Ready to Take the Next Step?

If you’re looking for a role where your experience is respected, your leadership is welcomed, and your contributions genuinely matter—this could be your next great move.

Apply today and bring your insight, energy, and expertise to a place where it truly counts.

Want to read more about why you should join the team?  Click the link below: 

Top 10 Reason You Should Explore a Career with Chesapeake Bank

Summary:

The Senior Credit Analyst is responsible for performing advanced credit analysis on complex commercial credit requests, ensuring sound underwriting decisions aligned with the organization’s credit policy and risk appetite. This role provides analytical leadership, mentors junior analysts, and collaborates closely with commercial loan administrators, loan officers, commercial loan coordinators and commercial portfolio coordinators to support high‑quality loan portfolio growth.

Responsibilities

ROLE AND RESPONSIBILITIES:

• Lead the credit analyst team providing guidance, training, and mentoring to help team members to perform their duties effectively and efficiently.
• Review the analysis and work product of other analysts for accuracy, completeness and policy adherence.
• Support department process improvements and contribute to updated credit analysis standards
• Conduct regular team meetings with a goal of information sharing and team building.
• Obtains loan request information from the commercial loan officer to analyze credit information, financial statements and other related information pertaining to the loan.
• Research background documentation and reviews personal and business financial statements and tax returns.
• Analyzes financial information and prepares the preliminary analysis for the loan officer.
• Requests financial statements on existing borrowers from account officers if they have not been obtained.
• Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions.
• Prepare clear, thorough credit approval memorandums for presentation to the loan officers and/or loan committees summarizing financial conditions, risks mitigants, collateral and repayment capacity.
• Review and validate complex credit relationships, including multi‑entity structures, real estate projects, and specialized lending requests.
• Review and approve credit approval memorandums within the appropriate software.
• Assist with periodic internal and external audits
• Follows all applicable laws and regulations.
• Maintain strict confidentiality in processing customers' records and files.

OTHER:

• Occasional travel to company office locations is required.
• Willingly performs other duties and projects as assigned.

BACKUP RESPONSIBILITIES:

• Understand your role as defined by the three lines of defense to maintain a compliance culture that includes risk management processes

The above statements describe the job’s essential responsibilities and requirements. They are not an exhaustive list of the duties that may be assigned to job incumbents.

Requirements

• Bank Credit experience required
• Bachelor’s degree in Business Administration/Accounting/Finance is preferred.
• Ethics/Integrity: Knowledge of practices, behaviors, applicable laws, rules and regulations governing proper business conduct.
• Adaptability: Knowledge of successful approaches, tools and techniques for dealing with changes and adapting to a changing environment. Must be organized, efficient, and able to work independently and be detail oriented in order to generate accurate reports.
• Customer Service: Works well with customers, promotes a positive image of the company, strives to solve issues raised by customers.
• Productivity: Manages workload, works efficiently, meets goals and objectives. Able to manage multiple tasks, projects & deadlines.
• Quality: Strives to eliminate errors, accurate work is a priority. Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
• Cooperation: Willingness to work harmoniously with others in getting a job done. Readiness to respond positively to instructions and procedures.
• Excellent knowledge of personal/business financial statements and tax returns.
• Excellent financial analytical skills with sound judgment.
• Excellent communication skills (both verbal and written).
• Working knowledge of Microsoft office applications
• Understand your role as defined by the three lines of defense to maintain a compliance culture that includes risk management processes.
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