Credit Products Specialist I – Corporate Banking

Support underwriting, structuring, and management of commercial credit relationships
Assist Relationship Managers in analyzing financial statements and assessing borrower creditworthiness
Prepare credit approval packages
Monitor financial trends, covenant compliance, and borrowing bases
Identify potential credit risks and recommend actions
Collaborate with sales and credit teams to structure deals, address underwriting inquiries, and support client needs
Mentor analysts in financial analysis, credit structuring, and risk assessment
Stay informed on market trends, credit policies, and risk mitigation techniques
Make decisions regarding the assigned portfolio using independent judgment and discretion
Analyze and resolve problems pertaining to the assigned portfolio
Perform special projects and additional duties as required
Complete required compliance training and maintain compliance with applicable laws and regulations

• Undergraduate degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 5+ years of equivalent experience
• 2+ years in credit underwriting, portfolio management, or a related field
• Strong financial analysis and risk assessment abilities
• Basic understanding of loan structuring and credit agreements
• Proficiency in financial modeling and credit decision tools
• Strong written and verbal communication skills
• Ability to collaborate effectively with Relationship Managers, credit officers, and other stakeholders
• Ability to manage multiple loan requests, meet deadlines, and prioritize tasks
• Intermediate Excel skills, including financial modeling, pivot tables, and VLOOKUP
• Familiarity with credit analysis software
• Willingness to develop credit expertise and stay informed on industry trends

Demonstrates expertise in financial analysis, credit underwriting, and risk assessment while effectively collaborating with stakeholders to manage commercial credit relationships. Proficient in financial modeling and compliance with credit policies and regulations.

• Financial Analysis
• Credit Underwriting
• Risk Assessment
• Financial Modeling
• Credit Analysis Software

• Financial Analysis
• Risk Assessment
• Credit Underwriting
• Loan Structuring
• Credit Agreements
• Financial Modeling
• Credit Decision Tools
• Excel
• Pivot Tables
• VLOOKUP

• Written Communication
• Verbal Communication
• Collaboration
• Problem Solving
• Mentoring

• Commercial Credit
• Portfolio Management
• Covenant Compliance
• Credit Risk
• Market Trends
• Compliance Training

• Credit Analysis Software