Credit Officer

Evolve Bank & Trust; Memphis (TN); On-site; USD 70,000 - 110,000; Full time

Job summary

Evolve Bank is seeking a Credit Officer to support the Credit Manager in financial analysis and underwriting for commercial loans. The role involves analyzing risk drivers, assisting in loan structuring, and participating in the approval process.

Qualified candidates will have at least five years in commercial credit analysis, a business/economics/finance background, and strong communication skills. The position emphasizes ownership and collaboration with lenders and analysts.

Qualifications

• 5+ years in commercial credit analysis.
• Bachelor's degree in business, economics, finance or banking.
• High attention to detail and accuracy.
• Ability to prioritize tasks and meet tight deadlines.
• Strong verbal and written communication skills.
• Ability to balance loan production with risk/reward considerations.
• Team-oriented, able to work with lenders and supervisors.

Responsibilities

• Analyze and underwrite commercial loan requests.
• Assist lenders with financial analysis and risk drivers.
• Participate in loan approval processes with proper authorization.
• Support loan operations in structuring questions.
• Vet new loan products or niche markets.
• Handle special projects and provide analytical support.
• Mentor and guide Credit Analysts.
• Collaborate on training programs and concept reviews for loan requests.

Skills

Commercial loan analysis

Underwriting

Financial analysis

Risk assessment

Loan approval processes

Mentoring teammates

Training collaboration

Education

Bachelor's degree in business, economics, finance, or banking

Job description

The Credit Officer will support the Credit Manager and is responsible for the financial analysis and underwriting for Evolve Bank & Trust.

Main Job Tasks and Responsibilities:

• Commercial Loan Analysis and Underwriting.
• Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay.
• Participate in the loan approval process with appropriate authorization.
• Assist Loan Operations in solving loan related structure questions.
• Assist in the process of vetting new loan products or niche markets.
• Special Projects / Requests.
• Provide analytical assistance on special projects.
• Support and mentor Credit Analysts.
• Work with lenders on training programs and concept reviews for specific loan requests.

Education and Experience:

• Minimum of five years’ experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.
• Bachelors’ degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.
• High attention to detail.
• Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines
• Good verbal and written communication skills.
• Comfortable with conflicting views of others and able to adequately express their point of view.
• Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.
• Able to work well with peers, lenders and superiors.

Equal Opportunity Employer
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