Position Summary:

Performs detailed quantitative and qualitative credit analysis and underwriting for commercial and consumer loan requests. Works closely with lenders to understand and measure the risks associated with both new and existing client relationships and to create loan structures to mitigate these risks. Also responsible for tracking and obtaining financial information from borrowers to keep loan files current.

Primary Duties & Responsibilities

· Participate in the analysis, evaluation, and tracking of financial information.

· Work with loan officers and other credit staff to assess credit opportunities, identify key risks and structure alternatives.

· Spread financial statements.

· Conduct research on borrowers and industries.

· Make decisions based on the best interest of the customer and bank.

· Perform all the above with minimal need for oversight and assistance from management.

· Follows all applicable policies and procedures and maintains compliance with all applicable regulations related to area of responsibility.

Minimum Qualifications (Education, Experience & Skills)

· Working towards a college degree in business or equivalent. Finance and accounting majors preferred.

· Cognitive skills – Ability to read, analyze, and interpret financial statements, industry data, and customer profiles.

· Mathematical skills – Ability to apply concepts such as trends, percentages, ratios, and proportions to practical situations. Ability to create and interpret projections based on extrapolation of financial data.

· Reasoning ability – Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical information in mathematical or diagram form and deal with several abstract and concrete variables.

Other Skills and Abilities

· Extensive ability to make sound credit decisions through the analysis of financial statements, credit bureau reports and industry research.

· Ability to understand and interpret financial statements, tax returns, generally accepted accounting principles, and other business or consumer information.

· Work environment – 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.

Equal Opportunity Employer.