Commercial Credit Analyst II

About the role

You’ll partner with Relationship Managers, Portfolio Managers, and Credit Officers to underwrite $1MM–$4MM commercial exposures and turn financials, cash flow, and collateral into clear, confident credit decisions. 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

• 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, including details of risks and mitigating factors.
• Complete various compliance and underwriting training courses as assigned.
• Possess strong knowledge of industry policies and ensure compliance with laws and regulations, including the Univest Code of Conduct.
• Perform other duties as assigned.

Requirements

• 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.
• Knowledge of traditional Commercial & Industrial, Commercial Real Estate, and Small Business Lending.
• Formal commercial credit training preferred.
• Proficient in Microsoft Office products and financial spreading tools; nCino/Salesforce experience is preferred.

Skills

• Credit risk evaluation and financial statement analysis.
• Succinct business writing and strong organizational skills.
• Excellent communication skills, both written and oral.
• Ability to work within compressed deadlines and mentor or collaborate with other analysts and underwriters.
• Comfortable interacting with lending teams.

Pay

The salary for this position ranges from $60,000 to $70,000.

Benefits

• 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: 12 weeks of sick time with a doctor’s note after 6 months of service.
• Holiday Time Off: 11 paid holidays.
• Life Insurance: Company-paid life insurance, plus other supplemental insurance options.
• Tuition Reimbursement and professional development trainings.
• Employee Wellness Programs: Including fitness club discounts and fitness tracker discounts/annual reimbursement.
• Discounts: On loan products.