POSITION SUMMARY: Responsible for effectively conducting credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios. You will work closely with and assist your respective Team Leader and Relationship Managers with analysis and underwriting of new loan applications and portfolio management. You will apply your strong credit skills to structure loans with moderate to high complexity, while balancing loan growth with strategic risk management to ensure default risk is appropriately mitigated. You will also utilize your excellent organization skills with continual monitoring of the loan portfolio to ensure credit files are complete and well-maintained and notifying the Relationship Manager, Team Leader and the CCO of any potential adverse information and financial trends.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following: - Prepare and present credit requests to Team Leader, Relationship Managers, Credit Administration and loan committee for use in support of lending decisions on new loans, renewals of existing credit, and increased exposure to existing Clients.
- Maintain control over credit standings of accounts and furnish information relative to credit inquiries, as appropriate.
- Knowledge of commercial, construction and real estate credit analysis.
- Able to demonstrate moderate to superior skills in financial statement spreading and the evaluation of projections.
- Manage loan and portfolio credit quality through annual and quarterly covenant, risk rating and trend analysis.
- Gather and analyze credit information on current and potential borrowers including preparation of financial statement spreads for borrowers and guarantors.
- Assess liquidity, leverage, cash flow and contingent liabilities of businesses and individuals.
- Research market for prospective clients.
- Make joint calls on customers and prospects.
- Recommend loan structures and prepare loan approval memorandums for new and existing clients, with minimal oversight by Team Leader, Relationship Managers and Credit Administration.
- Work in concert with Credit Administration, Relationship Managers and Team Leader to organize and manage a tickler system on all loan relationships.
- Contact borrowers to obtain updated financial information to ensure quality of documentation within files.
- Ability to instruct / teach others how to perform tasks.
- Ability to prioritize and meet deadlines.
- Ability to work well in a team environment that promotes inclusiveness and communication among team members.
- Manage special projects as assigned including, but not limited to, preparation of management reports, implementation of new software within the Commercial Lending group and procedures.
- Make recommendations/decisions regarding the extension of credit.
- Structure, analyze, and write SBA 7(a) and SBA 504 credit requests.
- Monitor customer's accounts and portfolios in order to maximize credit quality and minimize risk of potential loss.
- Positive attitude and desire to learn.
- Perform other duties as assigned.
BENEFITS AND PERKS- Full medical, dental, and vision coverage for individual or family plan.
- Life insurance.
- Long-term disability insurance.
- 401K matching program.
- Paid sick and vacation time.
EDUCATION and/or EXPERIENCE- Bachelor's Degree in Business, Finance, or Accounting and/or equivalent combination of education and experience.
- Five to seven years of experience in credit underwriting, loan structuring, credit policy analysis and portfolio management.
- Five to seven years of sales and customer service experience in the financial services industry.
- Exposure to SBA products and procedures is a plus.
- Thorough knowledge of applicable bank and branch policies, procedures, and support systems.
- Well-developed analytical skills and attention to detail and accuracy.
- Ability to work with minimal supervision while performing duties.
- Ability to deal with normal challenges involving multiple facets and variables.
- Demonstrated ability to make one-on-one and group presentations.
- Ensure excellent internal and external client relations at all times.
- Excellent interpersonal, verbal, and written communication skills.
- Knowledge of the Bank Secrecy Act, Anti-Money Laundering and applicable policies, procedures and regulations that pertain to this position required.
- Proficient in Microsoft Office products and other database software.
PHYSICAL DEMANDS AND WORK ENVIRONMENTThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- The employee will primarily operate in a general office environment, using office equipment such as a phone and a computer.
- The noise level in the work environment is usually quiet to moderate as compared to a private office with light foot traffic and office equipment. The employee must be able and willing to interact frequently with the general public.
Salary Range: $80,000 to $100,000 per year. 
