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About the role
Key responsibilities & impact- Perform financial analysis needed to make credit decisions on new and existing business
- Support the commercial banking team and recommend credit solutions that add value to customers
- Manage a designated portfolio of commercial loans
- Ensure compliance with loan agreements, regulatory requirements, underwriting, and risk-rating policy
- Oversee the overall risk profile of the portfolio and identify macro and micro risk issues early
- Manage complex credit activities and analytical support/workflow production
- Work on larger, complex deals focused mainly on Middle Market and highly specialized lending
- Create, develop, and introduce commercial and credit-related initiatives
- Consult with business lines regarding credit issues, processes, and procedures
- Work with senior management on issues, expectations, and timelines
- Partner with Lending/Credit Officers to address auditor and examiner exceptions
- Perform periodic customer-site inspections to audit accounts and ensure adherence to loan agreements and terms
- Coordinate with Account and Relationship Managers on financial analyses and credit investigations
- Communicate credit decisions to Relationship Managers and Account Managers
- Manage department workflow and policy adherence
- Participate in cost-benefit analysis and implementation
- Create and maintain quantifiable service-level standards
- Ensure timely information and efficient processes and workflows
- Maintain confidentiality of credit and customer information
- May lead a regional or market-based team of Credit Analysts
Requirements
What you’ll need- Bachelor's degree or work experience equivalent to a Bachelor's degree required
- 10+ years related experience required
- Strong understanding of commercial business development techniques and credit decisions
- Demonstrated credit and financial analysis skills
- Working knowledge of capital markets is a plus
- Refined negotiation skills
- Demonstrated verbal and written communication skills
- PC skills
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, comprehend instructions, and perform basic arithmetic on a continuous basis
Benefits
Comp & perks- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- Health and well-being benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking benefits and discounts
- Career development
- Reward and recognition
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions