Job Summary: In this position you are responsible for preparing credit analysis (C&I / Middle Market / Private) on current and potential borrowers/loan accounts, conducting industry research while supporting the banking officers in granting credit, managing a robust pipeline and deadlines, and monitoring loan files for adequate and current financial information and documentation.
QUALIFICATIONS / SKILLS: - Four-year college degree or equivalent
- 5+ years commercial bank credit underwriting/portfolio management experience
- Completion of a formal credit training program a plus
- Thorough knowledge and understanding of loan documentation and bank rules and regulations, BSA, KYC, CRA, compliance
- Demonstrated knowledge of intermediate accounting and its practical application in the credit underwriting process
- Demonstrated ability to critically think, formulate and support credit decisions, and logically defend positions
- Demonstrated ability to negotiate on behalf of the Bank and the borrower while appropriately balancing risk and shareholder value
- Strong analytical skills, including the ability to read, understand and explain complex information
- Strong attention to detail, organizational, and time management abilities
- Superior verbal and written communication, presentation, and technical skills
- Demonstrates professionalism, commitment to the job, and flexibility as business dictates
- Proficient in Microsoft Office Suite and familiar with software such as Moody's
