Senior Commercial Credit Associate – Engineering & Construction

Responsibilities

• Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage
• Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating
• Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data
• Determine the need for more thorough investigation or additional information, and coordinate gathering of such information
• Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions
• Prepare summary, present facts, and offer opinions concerning credit‑worthiness
• Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors

• Bachelor’s degree in Accounting, Finance, Economics, or related field
• 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics
• Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis
• Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently
• Excellent verbal and written communication skills
• Critical thinking and problem‑solving abilities
• Attention to detail and high level of accuracy
• Ability to work independently and as a part of a team
• Strong organizational and time management skills
• Customer focused with strong interpersonal and relationship building skills
• Proficiency in Microsoft Office