Commercial Credit Analyst - MRINetwork Jobs

Position Summary: We are working with a community-sized bank in the Lehigh Valley seeking a highly skilled and motivated Credit Analyst to join their team. This individual will play a crucial role in supporting the commercial lending efforts by contributing to the credit decision process and managing various administrative tasks related to the commercial loan portfolio.

KEY RESPONSIBILITES:

Credit Decision Process Support:

• Obtain and analyze complex financial information from prospective borrowers.
• Develop and maintain expertise in credit analysis tools and software.
• Prepare comprehensive credit approval write-ups.
• Obtain and evaluate credit reports, appraisals, and environmental studies.
• Prepare and manage CoStar, loan pricing, and EDR reports.
• Participate in Senior and Director Loan Committee meetings and serve as Secretary as needed.
• Prepare Commercial Loan Documentation using the Bank’s software (Laser Pro).
• Monitor maturities, renewal dates, and annual review dates for commercial lending.

Underwriting and Documentation:

• Maintain expert underwriting skills.
• Stay updated on Bank policies, procedures, and regulatory requirements.
• Assist in the administration of Laser Pro and other key lending systems.

Loan Portfolio Administration:

• Monitor borrower compliance with financial covenants and reporting requirements.
• Ensure compliance with federal and state consumer compliance regulations.
• Prepare and review portfolio management reports.
• Maintain the Watch List for loans classified as "Special Mention" or worse and for "Impaired" loans.
• Serve as a customer service representative for commercial borrowing customers.

Regulatory Compliance:

• Maintain a high standard of knowledge relating to bank compliance regulations.

ADDITIONAL REQUIREMENTS:

• A minimum of four years of recent underwriting experience.
• A Bachelor’s degree is preferred.
• Strong initiative and independence in handling responsibilities.
• Leadership, organizational, and effective interpersonal skills.
• Adaptability to changing priorities and responsibilities.

WHAT OUR CLIENT OFFERS:

• Support from the top down, and a bank that does right by their employees
• Employees are treated as people, and not just a number
• A solid loan portfolio, and an organization with a strong future
• Career growth opportunities and continued training
• A team-based environment. Very low political and/or bureaucratic environment
• A competitive compensation package

*If you are interested in exploring this opportunity, please feel free to apply.  If you have questions about the opportunities, you can call Rob Titterington @ (724) 837-6337.

CONFIDENTIALITY:

We respect your privacy and will never submit a resume to a third party without your permission.  You can be assured that the information you give us will never be forwarded to any company without your specific, direct permission in advance.