Hybrid Commercial Credit Analyst II - Underwriting & Risk

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

Benefits offered by this job

Health Insurance

Retirement Plan

Paid Time Off

Short Term Disability

Holiday Time Off

Company paid life insurance

Tuition reimbursement

Employee Wellness programs

Discounts on loan products

Professional development trainings

Job summary

Univest is seeking a Commercial Credit Analyst to support underwriting by analyzing financial information, preparing credit memoranda, evaluating risk, and partnering with Relationship Managers, Portfolio Managers, and Credit Officers. This hybrid role could work from Souderton, Doylestown, King of Prussia, or Lancaster PA.

The candidate will independently underwrite exposures typically between $1M and $4M, organize financial data, prepare cash flow analyses, and assess collateral.

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 risk evaluation, financial statement evaluation, 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.

Responsibilities

• Independently underwrite commercial credit exposures ($1MM- $4MM).
• Organize relevant financial data. Spread and evaluate all levels of financial information in addition to corporate and personal tax returns and personal financial statements.
• Prepare cash flow charts, confirm covenant tests, and assess collateral position.
• Prepare written credit risk assessments for lending teams, and credit officers, to include details of risks and mitigating factors.
• Complete various 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.

Skills

Credit risk evaluation

Financial statement evaluation

Succinct business writing

Organizational skills

Communication skills

Mentoring

Collaboration

Education

Bachelor of Science in Finance

Bachelor of Science in Accounting

Bachelor of Science in Business Administration

Bachelor of Science in Economics

Tools

Microsoft Office

Financial spreading tools

nCino

Salesforce

Job description

Univest is seeking a Commercial Credit Analyst to support underwriting by analyzing financial information, preparing credit memoranda, evaluating risk, and partnering with Relationship Managers, Portfolio Managers, and Credit Officers. This hybrid role could work from Souderton, Doylestown, King of Prussia, or Lancaster PA.

The candidate will independently underwrite exposures typically between $1M and $4M, organize financial data, prepare cash flow analyses, and assess collateral.