Commercial Credit Analyst

customersbank; Malvern (Chester County); On-site; USD 100,000 - 140,000; Full time

Job summary

Customers Bank seeks a Commercial Credit Analyst/Underwriter to support its commercial real estate lending activities. You will originate a comprehensive written credit analysis and monitor borrowers, applying industry knowledge to assess risk and inform lending decisions.

The role requires a motivated, analytical thinker who can operate in a fast-paced environment, with strong Excel skills and a track record in credit analysis. A bachelor’s degree is required.

Qualifications

• Minimum 5 years of commercial real estate credit analysis experience in banking.
• Experience preparing credit memoranda preferred.
• Experience with nCino and Salesforce preferred.
• Strong MS Excel skills and effective communication.

Responsibilities

• Perform financial statement spreading and write comprehensive credit analysis for new and existing credits.
• Prepare industry research to support credit decisions.
• Read loan documents and discuss issues with officers and counsel to ensure terms compliance.
• Maintain complete and updated credit files; obtain current financial statements.
• Meet with clients to understand their business activities and finances.
• Provide credit administration support to manage risk and loan portfolio quality.

Skills

Analytical thinking

Written & verbal communication

Attention to detail

Relationship building

Problem solving

Business acumen

Education

Bachelor's degree

Tools

nCino

Salesforce

MS Excel

Job description

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.

What You'll Do:

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.

Responsibilities:

• 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.

What Do You Need?

• Minimum 5 years of commercial real estate credit analysis experience in a banking institution preferred.
• Experience in preparation of credit memoranda is strongly preferred.
• Experience working with nCino and Salesforce is strongly preferred.
• Effective written and verbal communication skills required. Strong skills working with MS Excel.
• Exceptional attention to detail and accuracy.
• Strong analytical, problem-solving skills, and business acumen.
• Ability to build strong relationships.
• Bachelor's degree required.

Technology Skills:

• Ability to work with the Microsoft Suite and learn/work with other Customers Bank's applications.
• Familiarity with AI tools such as Claude, CoPilot and ChatGPT.

Customers Bank is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

We also provide "reasonable accommodations", upon request, to qualified individuals with disabilities, in accordance with the Americans with Disabilities Act and app