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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in underwriting processes, financial analysis, and risk assessment while ensuring compliance with banking policies and regulations. Proficient in preparing credit approval documents and conducting portfolio monitoring with a strong focus on accuracy and detail.
Highest-signal resume keywords
Underwriting ProcessFinancial AnalysisRisk AssessmentCredit Approval DocumentationPortfolio Monitoring
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial ModelingCredit Risk AnalysisCovenant TrackingData Integrity ManagementAnalytical Activities
Soft Skills
Strong Communication SkillsProblem-Solving SkillsAttention to DetailTask Management
Tools & Technologies
Microsoft OfficeInternal Banking Applications
Industry Keywords
Commercial BankingBanking Products and ServicesCorporate Business StructureU.S. Government Regulations
About the role
Key responsibilities & impact- Complete daily underwriting and credit monitoring duties
- Perform analytical activities and identify risks or issues
- Draft credit approval documents and review memos for loans and ancillary products
- Build proficiency in underwriting and complete increasingly complex credits with limited oversight
- Attend and support Portfolio Reviews as needed
- Monitor Credit Excellence and initiate collection of financial statements for renewals and periodic reviews
- Prepare credit approval memos with company and industry descriptions, credit risks, historical analysis, projection assumptions, and terms and conditions
- Complete portfolio monitoring, including covenant tracking, financial statement reviews, and risk rating models
- Verify covenants, update ticklers, monitor covenant completion, and track past-due or non-compliant covenants
- Review completed spreads and collaborate with the CCU team to resolve edits or corrections
- Generate pipeline and portfolio reporting for credit leadership, portfolio managers, underwriters, relationship managers, and others
- Prepare Criticized Period Reviews reports with oversight
- Run projection models using provided assumptions
- Complete the underwriting process with limited oversight
- Prepare portfolio analysis and Portfolio Review materials
- Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports
- Resolve data, documentation, or analysis deficiencies and escalate questions appropriately
- Identify emerging risks or negative trends and escalate appropriately
- Maintain working knowledge of Bancorp credit policies, guidelines, and procedures
- Perform Borrowing Entity PD Ratings and Obligation LGD Ratings
- Assist with training and onboarding of new employees as needed
- Support special projects or ad hoc analysis as assigned by management
Requirements
What you’ll need- Bachelor's degree in Business, such as Business Administration, Finance, or Accounting
- 2+ years of Commercial Banking experience
- Sound understanding of financial and risk analysis, including the ability to develop financial models
- Extensive knowledge of banking products and services
- Knowledge of corporate business structure and legal documents
- General knowledge of U.S. government and regulation
- Proficiency in internal banking applications
- Strong verbal and written communication skills
- Strong problem-solving and analytical skills
- Ability to manage and prioritize multiple tasks while maintaining close attention to detail
- Proficiency in all Microsoft Office software
Benefits
Comp & perks- Incentive compensation plan eligibility based on company, line of business and/or individual performance
- Comprehensive benefits supporting employees' physical, financial, emotional and social well-being
- Benefits programs supporting employees and their families