Commercial Credit Analyst II

We’re hiring a Commercial Credit Analyst to join a team where your analysis directly shapes smart growth. 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

• Partner with Underwriting Team Leader, Portfolio Managers, Relationship Managers, and Credit Officers during all phases of the commercial underwriting process, including new requests, modifications, renewals, and annual reviews of existing relationships.
• 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 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.
• Skills in credit risk evaluation, financial statement evaluation, and succinct business writing.
• Knowledge of traditional Commercial & Industrial, Commercial Real Estate, and Small Business Lending.
• Strong organizational and communication skills, both written and oral.
• Ability to work within compressed deadlines and interact comfortably with lending teams.
• Formal commercial credit training preferred.
• Proficient in Microsoft Office products and financial spreading tools; experience with nCino or Salesforce is preferred.
• Ability to mentor and collaborate with other analysts and underwriters.

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, as well as other supplemental insurances.
• Tuition Reimbursement
• Employee Wellness Programs: Including fitness club discounts and fitness tracker discounts/annual reimbursement.
• Discounts: On loan products.
• Professional Development: Trainings available.