Evaluate loan requests to properly identify purpose, risk elements, and collateral adequacy.
Assess the liquidity, quality of management, market position, industry and overall business climate to estimate future profitability of business.
Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.
Apply accounting principles to financial modeling.
Input, interpret, and assess risk rating model output and client data to develop a credit recommendation.
Develop the credit write-up to make loan structuring decisions within delegated authority or make recommendations to the appropriate Credit partners/Officers; document and communicate findings providing relative guidance.
Identify deteriorating credits early and escalate with well thought out/experienced recommendations for restructure.
Initiate annual reviews.
Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval.
Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis.

Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (required)
Minimum of 2 years of commercial/specialty client segment underwriting, credit, banking and/or financial services experience (required)
Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications (required)
Understanding of financial models (required)
Ability to gather relevant research, analyze data, and synthesize large amounts of information to accurately assess commercial creditworthiness and create a detailed and thorough underwriting package (required)
Demonstrated understanding of commercial credit underwriting/approval methodologies, credit policies and procedures (required)
Strong presentation and communication skills, with the ability to collaboratively make an impact (required)

Credit Associate – Commercial Credit Underwriter, 1 million to 10 million commitments

Key skills