Provides support to the Credit Officer underwriting loans with moderate and higher level complexity.
Joins credit officer and commercial banking officers on client and prospect calls in multiple markets.
Completes due diligence and analyzes industry and company financial information.
Prepares spreads, written analysis and underwriting documents providing a comprehensive financial analysis of the borrower and guarantor’s financial condition documenting repayment capacity, including industry comparisons and projections when necessary, LAR, and other materials supporting loan approvals as needed.
Demonstrates strong judgment in loan structuring and recommendations for approval and an ability to interact effectively with clients.
Requirements
4 Year College degree, preferably in Finance or Accounting or equivalent education and experience
Minimum 5 years lending or credit experience
Strong verbal, writing and interpersonal skills.
Excellent analytical, credit and underwriting skills.
Sound organizational and time-management skills.
Complete knowledge of commercial loan policy and appropriate federal and state regulations pertinent to commercial lending.
Sound understanding of economics, commercial finance and accounting.
Benefits
Generous Paid Time Off : At least 22 days annually, prorated in the year of hire.
Parental Leave : Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage : Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage : Ensuring your overall health and well-being.
Flexible Spending Accounts : For healthcare and dependent care expenses.
Employer-Paid Disability Coverage : Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance : Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits : Including hospital, accident, and critical illness coverage.
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance : Supporting your growing family.
Tuition Reimbursement : Invest in your education and career growth.
Employee Assistance Program (EAP) : Access to support and resources.
Pet Insurance : For all your furry friends.
Financial and Banking Services : Various banking services benefits and financial planning assistance.