• Bachelor’s Degree with course work in finance and accounting preferred
• 1 - 2 years of work experience related to various aspects of commercial lending preferred
• Possess a general knowledge of credit policy, banking regulations, and loan documentation issues
• Possess knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
• Excellent interpersonal skills
• Excellent communication skills; both verbal and written, one-on-one and in groups
• Ability to develop and maintain a cohesive and cooperative working relationship with co-workers
• Good personal organization and time management skills
• Understand and work effectively within the credit culture of the company
• Must allocate time effectively and independently prioritize work load to meet timelines
• Ability to work with in-house financial reporting applications, including Navigator
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

• Work with RMs to manage all aspects of the local loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
• Actively participate and assist in all aspects of the loan process including joint calling, underwriting, and preparation of credit approval packages
• Coordinate with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documents
• Serve as secondary contact on client relationships
• Identify cross-sell opportunities with new and existing clients
• Prepare commitment letters and review loan documents
• Assist lenders in prospecting efforts
• Spread, analyze, and interpret complex business and personal financial statements and tax returns
• Analyze relationships, clients, and prospects globally, not just on individual requests
• Identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Prepare and present credit analysis packages through the credit approval chain with limited supervision