Hybrid Schedule available after training period.

Position Summary

Minimum Qualifications

• Bachelor’s degree or equivalent experience in finance, accounting, business, or related field preferred
• 2 years experience in credit analysis, commercial lending, accounting, audit, finance, or related field
• Knowledge of financial statement analysis, cash flow analysis, and commercial credit fundamentals.
• Demonstrated understanding of commercial lending, loan structure, collateral, and credit risk
• Proficiency in Microsoft Office and ability to learn bank credit and financial analysis systems
   

Key Responsibilities

• Underwrite commercial loan requests, renewals, modifications, and extensions.
• Analyze borrower and guarantor financial statements, tax returns, cash flow, credit history, collateral, and other financial information
• Evaluate overall credit risk and provide well-supported recommendations.
• Prepare credit analysis, annual reviews, Deal Concept Memos, and other lending documentation as assigned
• Recommend appropriate risk ratings and identify adverse trends, policy exceptions, or emerging credit concerns
• Monitor commercial relationships, including financial reports, covenants, borrowing bases, & other requirements.
• Work with Director of Lending, Lenders, and Loan Servicing to obtain documentation, resolve outstanding items, support timely loan decisions, portfolio monitoring, credit analysis, and other lending initiatives as needed
• Follow all lending, security, risk, and compliance protocols alongside bank policies and procedures

Competencies

• Strong analytical and critical-thinking skills.
• Sound credit judgment and attention to detail.
• Strong financial analysis and problem-solving abilities.
• Clear written and verbal communication skills.
• Ability to manage multiple priorities and meet deadlines.
• Strong collaboration with lenders, Loan Servicing, and bank leadership.
• High level of integrity, confidentiality, and accountability.
   

General Requirements

• Must be able to lift and carry up to 10 pounds.
• Some travel to branch or offsite locations may be required.
• Ability to sit, stand, and operate a computer for extended periods of time.
• Must comply with all bank policies, procedures, and regulatory requirements.
• Maintain a professional appearance and demeanor.
• Demonstrate confidentiality, integrity, and sound judgment in all interactions.
• Must be able to work evenings and weekends as business needs dictate.