Job Description:
The Credit Officer will support the Credit Manager and is responsible for the financial analysis and underwriting for Evolve Bank & Trust.
Main Job Tasks and Responsibilities:
- Commercial Loan Analysis and Underwriting.
- Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay.
- Participate in the loan approval process with appropriate authorization.
- Assist Loan Operations in solving loan related structure questions.
- Assist in the process of vetting new loan products or niche markets.
- Special Projects / Requests.
- Provide analytical assistance on special projects.
- Support and mentor Credit Analysts.
- Work with lenders on training programs and concept reviews for specific loan requests.
Education and Experience:
- Minimum of five years' experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.
- Bachelors' degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.
Key Competencies
- High attention to detail.
- Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines
- Good verbal and written communication skills.
- Comfortable with conflicting views of others and able to adequately express their point of view.
- Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.
- Able to work well with peers, lenders and superiors.