Commercial Credit Analyst

Responsibilities

• Partner with Relationship Managers, Portfolio Managers, and Credit Officers during all phases of commercial underwriting process, which includes new requests, renewals and annual reviews of existing relationships.
• Primary Tasks Include:
• Organize relevant financial data.
• Spread and analyze audited, reviewed and company prepared financials in addition to corporate and personal tax returns and personal financial statements.
• Prepare cash flow charts, test covenants, and determine collateral coverage position.
• Prepare credit memoranda for approval. Memoranda should include a summary of financial performance analysis, cash flow generation, loan grades, debt capacity, and projected outlook.
• Completes other tasks as requested.
• Responsible for compliance with laws and regulations that apply to the position, including the Univest Financial Corporation Code of Conduct.

Qualifications

• BS in Finance, Accounting, Business Administration, or Economics, preferred.
• Commercial Banking Underwriting Experience Preferred, But Not Required.
• Understanding of credit risk analysis, financial statement analysis, commercial loan underwriting and succinct business writing.
• Knowledge of traditional C&I, Commercial Construction, Commercial Mortgage and SBA program loan structures, covenants and documentation.
• Possess strong organizational, analytical and communications skills.
• Ability to work within compressed deadlines.
• Professional appearance, strong interpersonal skills, positive and professional attitude.
• Proficient in Microsoft tools such as Teams, Excel, Word, PowerPoint and Outlook.

Benefits

Wage Range: The salary for this position starts at $54,000
Benefits Overview: Univest offer's a comprehensive benefits package that includes:
Health Insurance: Medical, dental and vision coverage (single or family; begins the first of the month following start date)
Retirement Plan: Participation in 401(k) plan with up to a 3% employer match after 6 months of employment
Paid Time Off (PTO): 15 days annually (prorated your first year)
Short Term Disability: 10 days annually of sick time with a doctors note (prorated your first year)
Holiday Time Off: 11 paid holidays
Commissions: paid quarterly based on individual and team production
Employee Wellness programs: including fitness club discounts and fitness tracker discounts/ annual reimbursement
Discounts: on loan products
Professional development trainings
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#Univest An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.