This position is expected to perform the duties, tasks, and responsibilities as outlined below: Read, analyze and synthesize large amounts of information (e.g., spreads, credit memorandums, financial statements, audits, loan documents, leases, appraisal and environmental reports, etc.); Perform relevant underwriting calculations and financial statement ratios; Know and stay abreast of economic conditions; Determine appropriate loan amounts and credit limits; Coordinate approvals with Relationship Managers; Supervise underwriters to verify correct completion of duties; Approving credits within nCino and maintaining accurate credit files; Follow strict confidentially procedures; Ensure risk ratings are appropriately assigned during the new loan/renewal approval process; Perform duties within established service level agreements (i.e., SLAs); Coach, mentor and develop staff (i.e., Portfolio Managers). The Credit Officer II analyzes loan requests, renewals and modifications (prepared jointly by Credit Analysts, Portfolio Managers, and Relationship Managers) to determine the likelihood of repayment, ensure that loan terms, structure, covenants and conditions are appropriate, arrive at a final approve/decline decision, and assign an appropriate risk rating.