Interfuse Staffing

Senior Credit Analyst

Interfuse Staffing - Emlenton, PA


  • Preparation of Corporate Banking loan analyses for new credit requests, including spreading financial statements, completing or updating the various component of a Credit Approval Memorandum (CAM) including Exposure Summaries, Term Sheets, Cash Flow Worksheets, etc.
  • Compose the narrative analysis for credit requests where appropriate based on the size and complexity of the transaction or relationship.
  • Effective assessment of:
    • Customer’s background and management capabilities
    • Customer’s products or services, industry outlook, and competition
    • Customer’s financing history
    • Customer’s and guarantor’s financial capacity
  • Propose proper structure and underwriting of loan requests
    • Work directly with lenders to ensure a thorough understanding of the credit underwriting requirements for each loan request
    • Analysis of financial statements and related information (including ratio and trend analysis) to determine borrower’s financial condition and repayment capacity
    • Evaluation of the appropriateness of the valuation of collateral security
    • Consideration of the structure and feasibility of loan request
    • Identification of key risk elements within loan transactions
    • Determination of the strengths, weaknesses, and mitigants
  • Spread new financial information received on existing credit relationships and update analysis to assist lenders with annual loan risk rating reviews
  • Prepare financial documentation for review and renewal of commercial lines of credit, including evaluation of payment performance and covenant compliance
  • Prepare write-ups for Small Business credit requests, as needed
  • Prepare industry-specific research as needed from time to time where relevant and appropriate to a credit decision
  • Account Management
    • Maintain oversight of financial statement tracking, covenant compliance tracking, and documentation deficiency reporting systems within Sageworks
    • Maintain oversight of ongoing reviews and renewals of commercial lines of credit within Sageworks
  • Portfolio Management
    • Assist with the compilation of information required for regulatory examinations and internal/external audits related to credit risk.
  • Other Duties
    • Assist with financial analysis, credit review, and presentation preparation related to merger and acquisition activity
    • Maintain good working knowledge of the Bank’s credit policies and regulatory lending guidelines
    • Maintain excellent understanding of legal documentation requirements
    • Provide consultative support to the credit documentation and administration staff to ensure credit facilities are properly documented
    • Actively participate in community service activities and/or volunteer to promote our mission, generate visibility, and serve our local community
    • Other duties as assigned


  • Bachelor’s Degree in business, finance or related field preferred
  • Minimum of 5 years of experience with credit risk analysis/ financial analysis
  • Adequate knowledge of legal and regulatory aspects of lending, sound credit principles and industry best practices
  • Strong analytical and problem-solving abilities
  • Strong verbal communication and business/technical writing skills
  • Excellent proficiency with MS Office Suite
  • High degree of initiative
  • Must be well organized and able to handle multiple projects and tight deadlines


The physical demands 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.

While performing the duties of this position, the employee is regularly required to see and adjust visual focus, to use hands to handle objects and/or tools, to sit, to stand, to talk and to hear. The employee is occasionally required to walk and lift up to 15 pounds.

Posted On: Wednesday, February 8, 2023
Compensation: DOE

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