Associate Credit Officer

Job description

Provides support to the Credit Officer underwriting loans with moderate and higher level complexity. Joins credit officer and commercial banking officers on client and prospect calls in multiple markets. Completes due diligence and analyzes industry and company financial information. Prepares spreads, written analysis and underwriting documents providing a comprehensive financial analysis of the borrower and guarantor’s financial condition documenting repayment capacity, including industry comparisons and projections when necessary, LAR, and other materials supporting loan approvals as needed. Demonstrates strong judgment in loan structuring and recommendations for approval and an ability to interact effectively with clients. Education and Experience: - 4 Year College degree, preferably in Finance or Accounting or equivalent education and experience - Minimum 5 years lending or credit experience Skills and Abilities: - Strong verbal, writing and interpersonal skills. - Excellent analytical, credit and underwriting skills. - Sound organizational and time-management skills. - Complete knowledge of commercial loan policy and appropriate federal and state regulations pertinent to comme...