CREDIT OFFICER

Job Summary: Responsible for underwriting of small and less complex commercial credits by performing due diligence, financial spread and credit analysis, and complete credit recommendation package. Responsible for credit monitoring, maintenance and backup support in absence of Credit Associate and Credit Assistant, as needed.

Major Responsibilities:

1. 70% - Prepare financial spreadsheets, perform financial analysis, search facility usages utilizing various bank programs. Prepare preliminary credit recommendation package for CAT I credit to be reviewed by credit executive for accuracy and appropriateness. Complete formal credit recommendation package for CAT II and III credit.
2. 20% - Manage, monitor and maintain assigned accounts relationship of a less complex nature. Approval must be obtained prior to expiration of credit facility.

Qualifications:

1. May have completed UB's training program.
2. Standard knowledge of cash flow, financial accounting, credit analysis and documentation required.
3. Demonstrated ability to analyze corporate credit transactions.
4. Effective listening, verbal, and written communication skills.
5. Bachelor's Degree and 2-3 years of experience.
6. Management Experience Required - No
7. Minimum Education - Bachelor's Degree
8. Willingness to Travel - Occasionally

Additional Information

All your information will be kept confidential according to EEO guidelines.