VP, Credit Officer

Customers Bancorp Inc; Portsmouth (NH); Remote; USD 80,000 - 110,000; Full time

Job summary

An established industry player is seeking a skilled Commercial Credit Analyst to join their team. This role offers the opportunity to work with diverse clients and evaluate significant credit transactions. The ideal candidate will leverage their extensive experience in credit analysis, financial statement evaluation, and data analysis to make informed lending decisions. With a focus on collaboration and communication, you'll engage with various departments to ensure timely transaction approvals. This position not only promises professional growth but also the chance to contribute to a culture that values diversity and inclusion.

Qualifications

• 8+ years of experience in commercial credit analysis preferred.
• Strong analytical skills and experience with large data sets.

Responsibilities

• Conduct credit investigations and evaluate customer creditworthiness.
• Prepare reports and present findings to management.

Skills

Commercial Credit Analysis

Financial Statement Analysis

Excel Skills

Data Analysis

Communication Skills

Presentation Skills

Education

Bachelor's Degree in Business or Finance

MBA

Tools

Microsoft Office

Bank Credit Rating Systems

Job description

Time Left to Apply

End Date: May 12, 2025 (3 days left to apply)

Job Requisition ID

REQ-2025-593

About Customers Bank

Founded in 2009, Customers Bank is a super-community bank with over $22 billion in assets. We prioritize dedicated personal service for businesses, professionals, individuals, and families. Our vision, mission, and values guide us to achieve excellence, emphasizing passion, attitude, creativity, integrity, alignment, and execution. We encourage personal development to help our team members reach their full potential.

Work Location

Portsmouth, NH - open to fully remote candidates

Must be legally eligible to work in the United States without sponsorship, now or in the future.

Position Overview

Reporting to the Chief Credit Officer- CCF, this role involves performing credit investigations, evaluating customer creditworthiness (typically $1 million to $20 million), and making recommendations within guidelines for transactions across various platforms, including plastics, packaging, construction, and more. The role requires significant interaction with sales and other departments to ensure timely transaction adjudication. The candidate will utilize various systems and tools for credit evaluation. This is not a managerial position.

Key Responsibilities

• Conduct detailed research and analysis of business customers, vendors, and industry conditions for commercial loan and lease transactions.
• Analyze credit requests, financial statements, perform cash flow analysis, and make decisions within guidelines.
• Prepare detailed reports, approval summaries, and industry studies to support lending decisions.
• Participate in creditworthiness discussions and present findings to management.
• Handle complex, mid to large dollar transactions requiring unique structures.
• Build and maintain relationships with business units and the Credit Committee.
• Communicate with stakeholders regarding credit transactions, assisting with structuring and risk issues.
• Process appeals and modifications to decisions.
• Support sales and team members; may involve travel for customer visits.

Requirements

• 8+ years of experience as a commercial credit analyst, with increasing signing authority preferred.
• Bachelor's degree in business, finance, or equivalent experience; MBA a plus.
• Curiosity and a desire to learn are essential.
• Team-player attitude and adaptability are critical.
• Excellent communication, analytical, PC skills, especially Excel.
• Ability to analyze large data sets and make recommendations.
• Knowledge of bank credit rating, modeling systems, and credit processes.
• Ability to prioritize multiple projects and work under pressure.
• Effective presentation skills for management communication.
• Workout knowledge or supervisory experience is a plus.
• Proficiency with Microsoft Office and other bank applications.

Equal Opportunity Statement

Customers Bank is an equal opportunity employer and provides reasonable accommodations as needed.

Diversity and Inclusion

We are committed to fostering a diverse, equitable, and inclusive culture, valuing the perspectives and identities of our team members.

Apply & About Us

Introduce Yourself

If you don't see a fitting opportunity, apply here for general consideration.

About Us

Founded in 2009, Customers Bank is a super-community bank with assets of $20.3 billion as of June 30, 2022. We serve multiple states and are part of Customers Bancorp, Inc., listed on the NYSE under CUBI.