AVP, Commercial Credit Officer II
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Job Description
Performs complex credit analysis and financial reviews for commercial lending at The Bancorp Bank. Supports the lending process from origination through funding for small businesses.
Responsibilities:
- Performs complex credit analysis and financial reviews of new and existing loan requests
- Analyzes financial statements on complex credit requests
- Works with salesperson to structure each loan request
- Conducts borrower interview with applicant and/or designated third parties
- Contacts salesperson for additional information pertinent to the underwriting activities
- Works with customers and sales team to collect required credit information
- Verifies existing borrower’s total and current exposure in the loan systems
- Generates credit memorandum to include detailed financial analysis
- Determines and presents recommended action to senior management
- Maintains accurate and complete loan files
- Validates that all required authorizations, compliance, and approvals are obtained prior to closing
- Creates and maintains approvals and files
- Develops close working partnerships with the sales team
- Recommends process and operational changes to improve efficiency
Requirements:
- Undergraduate degree in a related field or an equivalent combination of training and experience
- 5 years of commercial credit analysis or fleet/equipment leasing experience
- Strong working knowledge and understanding of traditional financial analysis
- Strong organizational, time management and prioritization skills to meet loan committee deadlines
- Excellent verbal, written, and interpersonal communication skills with strong presentation skills
- Team player, able to work effectively in a team fostered, multi-tasking environment
- Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook
Benefits:
- Competitive pay that varies based on individual experience, qualifications and other relevant factors
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