Senior Commercial Credit Analyst – Underwriting (Hybrid)

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

Benefits offered by this job

Health Insurance

401(k) with employer match

PTO 15 days

Short Term Disability

11 paid holidays

Life insurance

Tuition reimbursement

Wellness programs

Discounts on loan products

Professional development trainings

Job summary

Univest Financial Corp in Souderton is seeking a Commercial Credit Analyst II to support commercial underwriting by analyzing financial information and preparing credit memoranda. The hybrid role may work from Souderton, Doylestown, King of Prussia, or Lancaster, PA.

The candidate will independently underwrite credit exposures ranging from $1M to $4M, organize financial data, and produce cash flow analyses and risk assessments for lending teams.

Qualifications

• Bachelor’s degree 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 include credit risk evaluation, financial statement evaluation, and succinct business writing.
• Knowledge of traditional Commercial & Industrial, Commercial Real Estate, and Small Business Lending.

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, detailing 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.

Skills

Credit risk evaluation

Financial statement evaluation

Business writing

Microsoft Office

Financial spreading tools

nCino

Salesforce

Education

Bachelor’s in Finance/Accounting/Business or Economics

Other bachelor’s degrees considered with commercial lending experience

Tools

Microsoft Office

Financial spreading tools

nCino

Salesforce

Job description

Univest Financial Corp in Souderton is seeking a Commercial Credit Analyst II to support commercial underwriting by analyzing financial information and preparing credit memoranda. The hybrid role may work from Souderton, Doylestown, King of Prussia, or Lancaster, PA.

The candidate will independently underwrite credit exposures ranging from $1M to $4M, organize financial data, and produce cash flow analyses and risk assessments for lending teams.