• Loan Structuring & Underwriting: Assist RMs in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages.

• Portfolio Management: Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.

• Client & Internal Partner Collaboration: Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs. Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.

• Credit Knowledge Development: Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.

• Uses independent judgement and discretion to make decisions regarding assigned portfolio

• Analyzes and resolves problems pertaining to the assigned portfolio.

ADDITIONAL ACCOUNTABILITIES

• Performs special projects, and additional duties and responsibilities as required.

• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications:

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience

• Minimum experience required: 2+ Years in credit underwriting, portfolio management, or a related field.

• Strong financial analysis and risk assessment abilities.

• Basic understanding of loan structuring and credit agreements.

• Proficiency in financial modeling and credit decision tools.

• Effective communication and teamwork skills.

Job Competencies:

• Financial Acumen: Strong foundational understanding of financial statements, key ratios, and credit analysis principles.

• Analytical Thinking: Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.

• Detail Orientation: Ensures accuracy in financial analysis, credit packages, and risk assessments.

• Collaboration & Communication: Works effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.

• Time Management: Ability to manage multiple loan requests, meet deadlines, and prioritize tasks effectively.

• Technology Proficiency: Intermediate Excel skills (financial modeling, pivot tables, VLOOKUP), familiarity with credit analysis software.

• Curiosity & Learning Agility: Willingness to develop credit expertise, stay informed on industry trends, and apply new knowledge to underwriting and portfolio management.

• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.

• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.

• Physical demands (ADA): No unusual physical exertion is involved.