Overview In this role you will underwrite complex commercial loans and renewals, partnering with lending officers to assess risk across working capital, real estate, and asset-based facilities. You will review structures, collateral, and market data to prepare clear recommendations for Credit Administration, while mentoring junior analysts. Expect involvement in pre-qualification, site visits, and presenting financing requests to senior management. This position offers exposure to a diverse loan portfolio within a growth-oriented, compliance-focused bank culture.
Compensation / Benefits- competitive salaries
- ownership stake in the company
- medical and dental insurance
- time off
- 401k matching program
- tuition assistance program
Responsibilities- Underwrite complex loan requests and renewals across multiple commercial lending product lines
- review loan structure, financial spreads, entity structures, collateral, and market data to assess risk and prepare recommendations
- prepare opportunity memos, loan presentations, administrative action memos, and annual reviews
- mentor junior analysts in financial analysis, loan structure, and risk mitigation factors
- perform special financial statement analyses involving interlocking relationships
- provide credit information and references as needed
- conduct pre-qualification assessments and risk analyses within bank credit culture and current trends
- gather and analyze information to present financing requests to senior management or Loan Committee for approval
- negotiate loan terms and conditions and refer recommendations to Credit Administration
- visit loan sites and meet with existing or potential customers as part of credit process
Key requirements- 6+ years of related experience
- Bachelor's degree or equivalent experience
- Advanced knowledge of general banking operations and commercial products
- Advanced knowledge of regulatory and legal compliance obligations
- Advanced speaking and writing communication skills
- strong communication
- mentor/leadership
- relationship-building
- credit risk analysis
- loan structuring
- financial statement analysis
