Commercial Credit Analyst

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans.

By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Salary range:
An annual salary range of $100,000 - $140,000 is what we expect to pay for this position, based on overall skills and experience. Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered.

Who is Customers Bank? Founded in 2009, Customers Bank is a super-community bank with over $22 billion in assets. We believe in dedicated personal service for the businesses, professionals, individuals, and families we work with. We get you further, faster. Focused on you:
We provide every customer with a single point of contact. A dedicated team member who’s committed to meeting your needs today and tomorrow. On the leading edge:
We’re innovating with the latest tools and technology so we can react to market conditions quicker and help you get ahead. Proven reliability:
We always ground our innovation in our deep experience and strong financial foundation, so we’re a partner you can trust.

Customers Bank has an immediate opening for a Commercial Credit Analyst / Underwriter reporting to the Credit Underwriting Lead under the independent risk umbrella in support of our commercial real estate lending activities. This responsibility is fulfilled through the origination of a comprehensive written credit analysis as well as continual client monitoring and follow-ups based on the financial information provided by borrowers and prospects, augmented by a thorough understanding of the industry that the borrower /prospective borrower operates.

We are looking for a highly motivated, analytical thinker who thrives in a fast-paced environment.

• Perform financial statement spreading and originate comprehensive written analysis, both for new clients and as part of periodic annual reviews, and other credit related memoranda as needed on all assigned credits.
• Prepare industry research through available resources to complete credit analysis or to assist lending officers in the credit decision process.
• Be able to read and understand loan documents, able to discuss loan document issues with account officers, borrowers and outside counsel to ensure that when closed each loan fully complies with bank approved terms and conditions and be able to monitor post-closing covenant and financial reporting compliance.
• Assist lending and credit officers in maintenance of complete and updated credit files for all assigned borrowers. This includes follow-up with clients obtaining current financial statements and other pertinent information as required.
• Along with account managers meet with clients and prospects to gain a fuller understanding of a client’s business activities and financial condition.
• Provide other credit administration support to lending officers and Regional Credit Officer as necessary to manage credit risk and maintain high quality in the loan portfolio.
• This includes assistance in follow-up with clients on loan delinquencies and account overdrafts, preparation of Adverse Action Notices, collection of information for turndown and withdrawn application files, and follow-up on missing loan documents, insurance, etc.

• Minimum 5 years of…