Credit Officer

Evolve Bank & Trust; Memphis (TN); On-site; USD 70,000 - 120,000; Full time

Job summary

Evolve Bank & Trust is seeking a Credit Officer to support the Credit Manager with financial analysis and underwriting for commercial loans in Memphis. You will analyze loan requests, identify key risk drivers, and contribute to sound lending decisions.

Responsibilities include partnering with lenders, assisting with complex loan structures, and mentoring Credit Analysts to ensure accurate risk assessment and compliance with internal standards.

Qualifications

• Minimum of five years of experience in commercial credit analysis.
• Bachelor's degree in business, economics, finance, or banking with strong accounting/finance background.

Responsibilities

• Commercial loan analysis and underwriting.
• Assist lenders with financial analysis, identify primary risk drivers, structure loans, and assess repayment ability.
• Participate in loan approvals with appropriate authorization.
• Assist Loan Operations with loan-structure questions.
• Vet new loan products or niche markets.
• Handle special projects/requests and provide analytical support.
• Support and mentor Credit Analysts.
• Collaborate with lenders on training and reviews for loan requests.

Skills

Attention to detail

Financial analysis

Underwriting

Risk assessment

Communication

Education

Bachelor's degree in business/economics/finance with accounting background

Job description

Job Details

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.

Key Competencies

• 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.