Commercial Credit Analyst II

Univest; Souderton (Montgomery County); Hybrid; USD 60,000 - 70,000; Full time

Benefits offered by this job

Health Insurance

401(k) match

PTO 15 days

Short Term Disability

Holidays

Life Insurance

Tuition reimbursement

Wellness programs

Discounts on loan products

Professional development trainings

Job summary

Univest is seeking a Commercial Credit Analyst II to join a team that shapes smart growth. You will underwrite $1MM–$4MM commercial exposures and translate financial data into clear, confident credit decisions.

In this hybrid role, you’ll collaborate with Relationship Managers, Portfolio Managers, and Credit Officers across multiple PA regional offices, including Souderton, Doylestown, King of Prussia and Lancaster.

Qualifications

• 3 years’ commercial banking underwriting experience required.
• Bachelor’s degree in Finance, Accounting, Business Administration, or Economics.
• Strong organizational and communication skills, written and oral.
• Ability to work within compressed deadlines and collaborate with lending teams.
• Formal commercial credit training preferred.

Responsibilities

• Underwrite commercial credit exposures ($1MM - $4MM).
• Organize financial data and spread at multiple levels of information.
• Prepare cash flow charts, confirm covenant tests, and assess collateral.
• Write credit risk assessments with risks and mitigants.
• Complete underwriting training courses as assigned.

Skills

Credit risk

Financial statements

Business writing

MS Office

Spreadsheets

Underwriting experience

Education

B.S. in Finance/Accounting/Business Admin/Economics

Tools

NCino

Salesforce

Job description

Overview

We’re hiring a Commercial Credit Analyst II to join a team where your analysis directly shapes smart growth. You’ll partner with Relationship Managers, Portfolio Managers, and Credit Officers to underwrite $1MM–$4MM commercial exposures and turn financials, cash flow, and collateral into clear, confident credit decisions.

Please note this is a hybrid position and could work out of one of our regional offices in Souderton, Doylestown, King of Prussia or Lancaster PA.

Responsibilities

Partnering with Underwriting Team Leader, Portfolio Managers, Relationship Managers, and Credit Officers during all phases of the commercial underwriting process, which includes new requests, modifications, renewals, and annual reviews of existing relationships.

Primary Responsibilities

• Independently underwrite commercial credit exposures ($1MM - $4MM).
• Organize relevant financial data. Spread andevaluateall levels of financial information in addition to corporate and personal tax returns and personal financial statements.
• Prepare cash flow charts, confirm covenant tests, andassesscollateral position.
• Prepare written credit risk assessments for lending teams, and credit officers, to include details of risks and mitigating factors.
• Complete various compliance and underwriting training courses as assigned
• Possess strong knowledge of industry policies.
• Accountable for compliance with laws and regulations that apply to this position including the Univest Code of Conduct.
• Perform other duties as assigned.

Qualifications

Bachelor’s of Science in Finance, Accounting, Business Administration, or Economics. Other Bachelor’s degrees considered with commercial lending experience.

Minimum 3 years’ commercial banking underwriting experience required. Skills required include credit riskevaluation, financial statementevaluation, and succinct business writing. Knowledge of traditional Commercial & Industrial, Commercial Real Estate, and Small Business Lending.

Strong organizational,and communication skills, both written and oral. Ability to work within compressed deadlines. Comfortable interacting with lending teams.

Formal commercial credit training preferred.

Proficient in Microsoft Office products and financial spreading tools.

NCino / Salesforce Experience Is Preferred

Ability to mentor and collaborate with other analysts and underwriters.

Wage Range

The salary for this position ranges from $60,000 - $70,000

Benefits Overview

• Health Insurance: Medical, dental and vision coverage (single or family; begins the first of the month following start date)
• Retirement Plan: Participation in 401(k) plan with up to a 3% employer match after 6 months of employment
• Paid Time Off (PTO): 15 days annually (prorated your first year)
• Short Term Disability: 12 weeks of sick time with a doctors note after 6 months of service
• Holiday Time Off: 11 paid holidays
• We offer company paid life insurance: as well as other supplemental insurances
• Tuition reimbursement
• Employee Wellness programs: including fitness club discounts and fitness tracker discounts/ annual reimbursement
• Discounts: on loan products
• Professional development trainings

#Univest

An Equal Opportunity Employer. Univest does not discriminate against any applicant for employment because of race, color, religion, religious creed, ancestry, national origin, age, sex, disability or protected veteran status.