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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 managing commercial loan portfolios and ensuring compliance with regulatory requirements. Proven ability to lead credit-related initiatives and collaborate effectively with business lines and senior management.
Highest-signal resume keywords
Financial AnalysisCredit Decision-MakingCommercial Loan ManagementRegulatory ComplianceNegotiation 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 AnalysisCommercial Business DevelopmentUnderwritingRisk AssessmentCapital Markets KnowledgeService-Level StandardsCost-Benefit AnalysisPortfolio ManagementCredit Investigations
Soft Skills
Verbal CommunicationWritten CommunicationTeam LeadershipConsultative SkillsWorkflow Management
Tools & Technologies
PC Skills
Industry Keywords
Commercial BankingMiddle Market LendingCredit SolutionsLoan AgreementsRisk-Rating Policy
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 and ensure compliance with loan agreements, regulatory requirements, underwriting, and risk-rating policy
- Oversee the overall risk profile of a designated portfolio and identify macro and micro risk issues early
- Manage complex credit activities, underwriting quality, consistency, and workflow timeliness
- Work on larger, complex deals focused mainly on Middle Market and highly specialized lending
- Create, develop, introduce, and lead commercial and credit-related initiatives
- Act as a consultant to business lines regarding credit issues, processes, and procedures
- Serve as a resource for business lines and work with senior management on issues, expectations, and timelines
- Partner with Lending/Credit Officers to address internal and external audit or examination 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 departmental workflow and adherence to policy
- Participate in organizational cost-benefit analysis and implementation
- Create and maintain quantifiable service-level standards against business performance
- Ensure timely information and efficient processes and workflow
- 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
- Demonstrates credit and financial analysis skills
- Working knowledge of capital markets is a plus
- Refined negotiation skills
- Demonstrates verbal and written communication skills
- Demonstrates PC skills
- Occasional domestic travel
- Ability to perform the listed physical and cognitive requirements
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