Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of commercial credit. Conducts complete credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios in order to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company.
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Bachelor's degree, or equivalent work experience
Five to seven years of experience in credit analysis and/or lending activities
Excellent credit analysis and analytical skills
Commercial Credit underwriting experience
Thorough knowledge of credit administration, policy and procedures
Thorough knowledge of economics, accounting, and finance
In-depth knowledge of risk analysis
Excellent technical report writing skills
Excellent verbal and written communication skills