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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates advanced financial and risk analysis capabilities in commercial credit lending, with a strong understanding of creditworthiness assessment and decision-making processes. Proficient in utilizing credit reports and data to inform complex credit decisions while maintaining high customer service standards.
Highest-signal resume keywords
Commercial Credit Risk AnalysisCredit Business Associate (CBA) AccreditationFinancial Statement InterpretationCollateralization / Securitization KnowledgeCredit Scoring Expertise
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 AnalysisRisk AnalysisCredit Decision MakingCredit UnderwritingForeign Currency EvaluationCredit Report InterpretationExcel ProficiencyComplex Review PreparationCredit Tools ExperienceCustomer Service Management
Soft Skills
Problem SolvingCommunicationTeam CollaborationCustomer Relationship ManagementFeedback Reception
Tools & Technologies
D&BEquifaxCredit Analysis ToolsAI Tools
Certifications & Qualifications
Credit Business Fellow (CBF) AccreditationMoody’s CICC Certification
Industry Keywords
Commercial Credit LendingBanking RegulationsCredit PolicyRisk AlertsAccount Management
About the role
Key responsibilities & impact- Perform advanced financial and risk analysis for commercial credit lending on the existing customer portfolio with credit limits over $150K
- Utilize commercial credit reports and third-party data to make credit decisions according to approved credit policy and procedures
- Approve or decline credit requests within personal credit authority
- Perform financial and credit risk analysis of public and large private companies based on risk alerts or credit review schedules
- Make complex credit decisions regarding account credit line increases, decreases, or loss mitigation strategies
- Determine creditworthiness of accounts not scored by models
- Prepare and present complete and accurate credit packages for management and the Bank Loan Committee
- Recommend improvements to strategy, policy, and procedures
- Resolve complex credit problems with internal and external customers
- Assist and respond to customers regarding account requests, questions, and complaints via email and client meetings
- Communicate with customers, relationship managers, and bank representatives to gather required information
- Perform additional projects and tasks as assigned by the credit manager
Requirements
What you’ll need- High School Diploma required
- Bachelor of Science degree in accounting, business, or finance or higher preferred
- 5-8 years of experience and working knowledge of Commercial Credit Risk Analysis and underwriting
- Credit Business Associate (CBA) or Credit Business Fellow (CBF) accreditation from NACM preferred, or similar industry standard Commercial Credit Lending Certification (i.e. Moody’s CICC) preferred
- Advanced level of expertise in understanding/interpreting various financial statement types
- Knowledge of foreign currency conversions and ability to work in foreign currencies when evaluating credit
- Sound understanding and demonstrated use of credit and banking laws and regulations
- Strong working knowledge of Collateralization / Securitization
- Intermediate to Advanced skill working with credit scoring
- Sound understanding of interpreting commercial credit reports & data and using that information to make complex credit decisions
- Working knowledge and general experience with various credit tools (i.e. D&B, Equifax)
- Demonstrated accuracy & completeness in preparing & processing complex reviews
- Advanced ability to assess risk on mid-sized to large public or private companies
- Ability to maintain high customer service standards and handle escalated customer service issues
- Ability to use non-standard or market data as inputs into credit analysis and recommendations
- Capable of using Excel or other like tools to create and perform additional analysis outside of standardized Credit Analysis tools
- Demonstrated ability to work and conduct research independently
- Demonstrated ability to receive feedback and coaching and contribute to a positive and respectful team environment
- AI — Gemini, ChatGPT or similar
Benefits
Comp & perks- Health, dental and vision insurances
- Retirement savings plan
- Paid time off
- Health savings account
- Flexible spending accounts
- Life insurance
- Disability insurance
- Tuition reimbursement
- Quarterly or annual bonus eligibility for non-sales roles