Senior Credit Analyst/Underwriter
CENJonesboro, Arkansas, United States
Posted September 3, 2025
Full Time
About the Company
Centennial Bank, a subsidiary of BancShares, delivers comprehensive commercial and retail banking services to businesses, investors, individuals, and municipalities across Arkansas, Florida, Alabama, New York, and Texas. The bank focuses on customer-centric solutions, offering a wide array of financial products such as loans, deposits, and investment services tailored to diverse client needs. As a member of the FDIC and an Equal Housing Lender, Centennial Bank emphasizes regulatory compliance and inclusive lending practices, distinguishing itself as a reliable and socially responsible financial partner in the region.
Job Description
The Sr. Credit Analyst/Underwriter performs financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals.
Requirements
- Generate financial spreads, or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends.
- Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows/project analysis on an accurate and timely basis.
- Create credit memos and annual reviews, as defined in current department procedures.
- Attend loan committee meetings when directed by management.
- Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager.
- Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis.
- Act as back up the Regional Manager or other CA leader in the review of work product performed by other Analyst's on the team.
- Complete required BSA/AML training and other compliance training as assigned.
- Perform any other related duties as required or assigned.
Benefits
- Health insurance
- Retirement plan
- Paid time off