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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial analysis and credit decision-making, with a strong focus on compliance, risk management, and commercial banking practices. Proven ability to lead credit initiatives and collaborate effectively with business lines and senior management.
Highest-signal resume keywords
Financial AnalysisCredit Decision-MakingRisk ManagementCommercial BankingNegotiation Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisFinancial AnalysisUnderwritingPortfolio ManagementCapital Markets Knowledge
Soft Skills
Verbal CommunicationWritten CommunicationNegotiation Skills
Tools & Technologies
PC SkillsStandard Office Equipment
Industry Keywords
Commercial LoansRegulatory ComplianceRisk-Rating PoliciesMiddle Market LendingCredit Solutions
About the role
Key responsibilities & impact- Perform financial analysis for credit decisions on new and existing business
- Support the commercial banking team and recommend customer-valued credit solutions
- Manage a designated portfolio of commercial loans
- Ensure compliance with loan agreements, regulatory requirements, underwriting, and risk-rating policies
- Oversee portfolio risk profiles and identify macro and micro risk issues early
- Manage complex credit activities, underwriting quality, consistency, and workflow timeliness
- Work on larger, complex Middle Market and specialized lending deals
- Lead or develop commercial and credit-related initiatives
- Advise business lines on credit issues, processes, and procedures
- Serve as a resource to business lines and work with senior management
- Negotiate timelines and manage expectations
- Partner with Lending/Credit Officers on auditor and examiner exceptions
- Perform periodic customer-site inspections and correct deficiencies
- Coordinate financial analyses and credit investigations with Account and Relationship Managers
- 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 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
- Credit and financial analysis skills
- Working knowledge of capital markets is a plus
- Refined negotiation skills
- Verbal and written communication skills
- PC skills
- Ability to perform 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 with manager
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Competitive benefits plan