Product Specialist – Proactive Risk Detection, Commercial Credit

• Conduct relationship reviews and perform ongoing risk monitoring for Business Banking clients through the Proactive Risk Detection (PRD) process
• Renew eligible cash-secured Letters of Credit through the Performance Based Underwriting (PBU) process
• Monitor client credit compliance and identify exceptions requiring remediation or escalation
• Complete risk rating scorecards and maintain accurate risk assessments
• Perform flood due diligence reviews and ensure compliance with applicable regulations
• Maintain data integrity across credit systems and supporting documentation
• Analyze financial, operational, and credit data to proactively identify emerging risks and opportunities
• Partner with Business Banking Sales, Credit and Risk teams to resolve exceptions and implement risk mitigation strategies
• Ensure timely follow-up and completion of loan monitoring requirements
• Support portfolio quality objectives through accurate risk recognition and sound credit practices
• Deliver exceptional client and partner support throughout the credit management lifecycle
• Maintain compliance with bank policies, procedures, and regulatory requirements

• Minimum 18 months of experience in commercial banking, credit administration, underwriting support, risk management, loan servicing, or a related financial services role
• Basic understanding of financial statement analysis, credit underwriting, and risk assessment principles
• Working knowledge of credit systems, including Credit Center, Credit Sync, Loan IQ, or similar platforms preferred
• Strong analytical, organizational, and problem-solving skills
• Ability to manage multiple priorities and work independently in a fast-paced environment
• Effective communication and interpersonal skills with the ability to collaborate across business and credit teams
• Demonstrated sound judgment, attention to detail, and commitment to quality
• Proficiency in Microsoft Office applications, including Excel, Word, and Outlook
• Demonstrated ability to adapt to change and continuously develop technical and professional skills
• High School Diploma / GED / Secondary School or equivalent
• Bachelor's degree in Business Administration, Finance, Accounting, Economics, or a related field required preferred

Demonstrates expertise in risk management, credit assessment, and financial analysis while ensuring compliance with banking regulations. Proficient in utilizing credit systems and delivering exceptional client support throughout the credit management lifecycle.

• Risk Management
• Credit Underwriting
• Financial Statement Analysis
• Credit Systems Knowledge
• Analytical Skills

• Risk Assessment
• Credit Compliance Monitoring
• Data Integrity Maintenance
• Financial Analysis
• Credit Scoring
• Loan Monitoring
• Regulatory Compliance
• Performance Based Underwriting
• Proactive Risk Detection
• Flood Due Diligence Reviews

• Effective Communication
• Interpersonal Skills
• Organizational Skills
• Problem-Solving Skills
• Attention to Detail

• Commercial Banking
• Credit Administration
• Underwriting Support
• Loan Servicing
• Financial Services

• Credit Center
• Credit Sync
• Loan IQ
• Microsoft Excel
• Microsoft Word
• Microsoft Outlook