EDUCATION AND/OR EXPERIENCE High School Diploma or General Education Degree (GED) required Bachelor's Degree in Business, Finance, or related field preferred 7-9 years banking experience and/or equivalent combination of education and experience required Commercial banking experience preferred PHYSICAL DEMANDS AND WORKING ENVIRONMENT The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.