Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages within assigned specialized vertical or region.
Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
Uses independent judgement and discretion to make decisions regarding assigned portfolio
Analyzes and resolves problems pertaining to the assigned portfolio.

Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience
2+ Years in credit underwriting, portfolio management, or a related field.
2+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
Strong financial analysis and risk assessment abilities.
Basic understanding of loan structuring and credit agreements.
Proficiency in financial modeling and credit decision tools.
Effective communication and teamwork skills.

Credit Products Specialist I – Franchise Finance

Key skills