Commercial Credit Analyst II
About the role
At Univest, we believe strong relationships and thoughtful financial solutions start with talented people. As a Commercial Credit Analyst, you’ll play an important role in supporting the commercial underwriting process by analyzing financial information, preparing credit memoranda, evaluating risk, and partnering with Relationship Managers, Portfolio Managers, and Credit Officers to help serve our customers with confidence and care. If you’re organized, analytical, detail-oriented, and ready to grow your career in commercial banking, we invite you to apply today and take the next step with Univest. Please note this is a hybrid position and could work out of one of our regional offices in Souderton, Doylestown, King of Prussia or Lancaster PA.
Responsibilities
- Partner with Underwriting Team Leader, Portfolio Managers, Relationship Managers, and Credit Officers during all phases of the commercial underwriting process (new requests, modifications, renewals, annual reviews).
- Independently underwrite commercial credit exposures ($1MM–$4MM).
- Organize relevant financial data.
- Spread and evaluate all levels of financial information, including 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.
- Ensure compliance with applicable laws and regulations, including the Univest Code of Conduct.
- Perform other duties as assigned.
Qualifications
- Bachelor’s of Science 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
- Credit risk evaluation
- Financial statement evaluation
- Succinct business writing
- Knowledge of traditional Commercial & Industrial, Commercial Real Estate, and Small Business Lending
- Strong organizational and communication skills (written