Credit Analyst / Underwriter

The responsibilities will include, but will not be limited to:

Complete spreads on business entities, CRE projects, and individuals to summarize their financial condition, performance, cash flow, trends, projections and risks

Complete Credit Memorandums for loan approvals incorporating quantitative and qualitative financial analysis and identifying key strengths and credit risks of a proposed credit

Analyze proposed collateral positions

Assist Loan Officers in completing reports used by senior management in the loan monitoring and decision making process

Gather, examine and present information in a concise and meaningful manner and offer thoughts concerning credit-worthiness and loan structure

Prepare various forms and reports to request external reports (appraisals, environmental assessments) and address internal issues, when needed

Salary Range: $70,000.00 - $115,000.00. Compensation is aligned to experience, skills and education. Position may be eligible for annual bonus depending on officer status. The bank offers a comprehensive benefits package including medical, dental, and vision coverage; paid holidays, vacation, and sick leave; and 401(K) plan. Hours of paid leave may vary based on position.

Requirements

Bachelor degree in a business related filed is required

Minimum of 2 years of experience in a credit/financial analyst or underwriting role or other directly related experience

Experience with completing financial spreads and written credit analysis reports on borrowers and guarantors

A solid understanding of financial statements and tax returns, including Generally Accepted Accounting Principles

Proficient with Microsoft Office software

Experience with Moody’s Risk Analyst or Moody's CreditLens strongly preferred