The Credit Officer plays a key role in evaluating, structuring, and underwriting commercial credit opportunities across a diverse portfolio. This positionis responsible forconducting detailed credit and financial analysis– including cash flow modeling, balance sheet evaluation, profitability assessment,liquidityand solvency analysis– and deliveringwellsupportedcredit recommendations.

Credit Officers partner closely withSales and Operations stakeholdersto ensure that credit requests arethoroughlyreviewed, properly documented, and aligned withinternalrisk appetite. This role supports the full credit lifecycle, frominitialstructuring through final approval, and contributes to ongoing portfoliomonitoringto maintain strong credit quality.

Key Responsibilities

• Perform comprehensive underwritingofcommercial credit requestswith moderate to advanced complexity, including financial statement analysis, cash flowmodeling, collateral evaluation, and risk rating assessments.

• Prepare clear, concise, andwell supportedcreditrecommendationsoutlining credit structure, risk considerations,andmitigants.

• Collaborate withSales and Operations stakeholdersto structure credit solutions that balance client needs with prudent risk management.

• Participate in due diligence activities, including industry research, borrower interviews, and review of legal and supporting documentation.

• Monitor existing credit relationshipsfor early identification andescalation ofpotential credit issues to ensuretimelyresolution and protect portfolio quality.

• Workcross functionallywith Operations, Sales,Financeand other internal teams to support efficient credit processing and ensure alignment throughout the approval workflow.

• Contribute to continuous improvement of underwriting standardsand guidelines, credit processes, and risk management practices.

Qualifications

• Bachelor27s degree in Finance, Accounting, Business, Economics, or related field preferred; equivalent combination of education and experience considered.

• Three to 10years of experience underwriting commercial credit, including analysis ofincreasinglycomplex borrowers and deal structures,commensuratewith experience.

• Strong analytical skills with the ability to interpret financial statements, assess risk, and form sound creditrecommendation.

• Excellent written and verbal communication skills, with the ability to present credit conclusions clearly and persuasively.

• Proven ability to manage multiple priorities, meet tight deadlines, and work effectively in a collaborative team environment.