Senior Credit Analyst/Underwriter

Company: Centennial Bank
Location: Jonesboro
Posted on: April 1, 2026

Job Description:

GENERAL DESCRIPTION OF POSITION 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. This position performs analysis on the largest and most complex loans or relationships with a Region or Industry. The Sr Credit Analyst/Underwriter engages with Analyst I or II, as appropriate, to assist in the analysis of the credits or relationships and as directed by their manager. ESSENTIAL DUTIES AND RESPONSIBILITIES 1. 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. This duty is performed daily, about 20% of the time. 2. Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows/project analysis on an accurate and timely basis. This duty is performed daily, about 20% of the time. 3. Create credit memos and annual reviews, as defined in current department procedures. This duty is performed as needed, about 35% of the time. 4. Attend loan committee meetings when directed by management. This duty is performed daily, about 10% of the time. 5. Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager. This duty is performed weekly, about 10% of the time. 6. 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. This duty is performed weekly, about 5% of the time. 7. 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. This duty is performed as needed. 8. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily. 9. Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly. 10. Perform any other related duties as required or assigned. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. EDUCATION AND EXPERIENCE Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 7 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience. COMMUNICATION SKILLS Ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community. MATHEMATICAL SKILLS Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry. CRITICAL THINKING SKILLS Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. SOFTWARE SKILLS REQUIRED Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing Intermediate: Alphanumeric Data Entry Basic: Human Resources Systems, Presentation/PowerPoint RESPONSIBILITY FOR WORK OF OTHERS Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems. Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied. Supervises the following departments: Credit Analysts and Underwriters WORKING CONDITIONS Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable. ENVIRONMENTAL CONDITIONS The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. PHYSICAL ACTIVITIES The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations. Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks. While performing the functions of this job, the employee is frequently required to sit, use hands to finger, handle, or feel, talk or hear; and occasionally required to stand, walk, reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. ADDITIONAL INFORMATION - Seven (7) or more years of related experience and/or training - Analytically minded and possess good judgment - Ability to mentor others or delegate and oversee quality and accuracy of work product given to others - Proficient in Microsoft Word and Excel

Keywords: Centennial Bank, Jonesboro , Senior Credit Analyst/Underwriter, Accounting, Auditing , Jonesboro, Arkansas