Overview

　　This position supports the commercial lending team through underwriting, analysis, and structuring recommendations for commercial portfolios. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assesses and communicates risks within new and existing commercial credits. Provides service and support for both associates and clients, assisting in customer calls and may assist in identifying cross-sales opportunities to facilitate lending activities.

　　This is a hybrid opportunity

　　Responsibilities

　　Underwriting - Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend credit grades and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome.Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilizes results of analysis to underwrite commercial loans.Risk Management - Identifies risks through reviews, analysis, and research of new and existing commercial loans. Communicates identified risks, review schedule, and potential changes in the commercial portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.Business Support - May assist in the identification of cross-sales opportunities and servicing information. Prepares credit analysis documentation. Partners with associates and clients to determine needs and structuring of new requests, participating in client and prospect calls as needed.Qualifications

　　Bachelor's Degree and 2 years of experience in Credit Analysis and General Commercial Banking

　　-OR-

　　High School Diploma or GED and 6 years of experience in Credit Analysis and General Commercial Banking

　　Required Qualifications:

　　Familiarity with Excel and Microsoft stackWorking with credit exposure 5 million and above Financial statement spreading experience Strong communication and collaboration skillsAbility to travel to assigned local marketsAbility to build strong partnershipsPreferred:

　　Moody's credit lens experience