Overview In this role you will underwrite and analyze commercial loan requests to strengthen the bank's credit portfolio. You will collaborate with portfolio managers, underwriters, and credit staff to present findings and assign risk ratings. The position emphasizes regulatory compliance, covenant testing, and portfolio monitoring, with a focus on building solid client relationships. A flexible remote work setup is available, with in-office requirements for certain locations.
Compensation / Benefits- comprehensive benefits package
- incentive and recognition programs
- equity stock purchase
- 401k contribution
- telecommuter policy
- remote work opportunities
Responsibilities- Analyze new commercial loan requests and perform periodic reviews on existing loans
- Evaluate financial statements and assess credit risk for loans
- Lead presentation of analysis, findings, and recommendations to Portfolio Managers and Underwriters
- Assess and assign risk ratings for analyzed loans
- Ensure compliance with policies, guidelines, regulations, and systems relevant to credit functions
- Perform quarterly and annual covenant compliance testing for portfolio loans
- Analyze and document loan modification requests
- Support portfolio management and monitoring
- Build and maintain positive internal and external client relationships
- Assist with special projects and other duties as assigned
Key requirements- 2+ years of experience analyzing financial statements for loan requests
- 2+ years of experience underwriting commercial loans including commercial real estate
- Proven understanding of FDIC and other regulatory requirements
- Strong communication and presentation skills
- Relationship-building and client service orientation
- Attention to detail and analytical thinking
- Financial statement analysis
- Credit risk assessment
- Commercial loan underwriting