Credit - All Levels

Responsibilities

• Credit Administration & Portfolio Support:
  • Coordinate and track receipt of underwriting documents from customers.
  • Prepare monthly, quarterly, and annual loan and credit reports.
  • Support covenant tracking, tickler systems, and annual review processes.
  • Maintain accurate and complete data in the loan management system (nCino).
  • Order, review, and track third-party reports such as appraisals, real estate evaluations, and collateral audits.
  • Manage borrowing base certificate tracking and review accounts receivable aging reports.
  • Monitor construction loan advances and supporting documentation.
  • Absorb and assist with internal audits of credit processes.
  • Attend Credit Committee meetings and document meeting minutes.
  • Support loan participation reporting and information sharing with partner institutions.
  • Complete ACH relationship annual reviews and other credit-related reporting as directed.
• Credit Analysis & Underwriting:
  • Assist with or independently analyze loan requests and annual reviews.
  • Evaluate cash flow, collateral, guarantor strength, and industry trends.
  • Prepare written credit presentations summarizing risk and key considerations.
  • Identify policy exceptions and recommend risk ratings.
  • Recommend loan structures, covenants, and risk-mitigation strategies.
• Partnership & Development:
  • Participate in client calls with Relationship Managers.
  • Work collaboratively with lenders and Credit leadership.
  • Provide guidance or mentorship to junior credit or administration staff.

Qualifications

• Education & Experience:
  • 4 year college degree or equivalent combination of education and experience preferred.
  • A minimum of three years commercial credit experience.
  • We’re also seeking seasoned professionals with 10+ years of experience.
• Knowledge, Skills & Abilities:
  • Strong organizational skills with attention to detail and accuracy.
  • Analytical mindset and problem-solving ability.
  • Clear written and verbal communication skills.
  • Professional discretion and respect for confidentiality.
  • Collaborative, respectful, and service-oriented approach.
  • Proficiency in Microsoft Excel, Word, and Outlook.
  • Experience with nCino a plus.
  • Experience with Jack Henry, LaserPro, or financial spreading software a plus.