Credit Products Specialist I - ESOP Finance

Job Responsibilities

• Assist RMs in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages.
• Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
• Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
• Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
• Analyze and resolve problems pertaining to the assigned portfolio.

Job Requirements

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience.
• Minimum experience required: 2+ Years in credit underwriting, portfolio management, or a related field.
• Strong financial analysis and risk assessment abilities.
• Basic understanding of loan structuring and credit agreements.
• Proficiency in financial modeling and credit decision tools.
• Effective communication and teamwork skills.

Job Competencies

• Financial Acumen: Strong foundational understanding of financial statements, key ratios, and credit analysis principles.
• Analytical Thinking: Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.
• Detail Orientation: Ensures accuracy in financial analysis, credit packages, and risk assessments.
• Collaboration & Communication: Works effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.
• Time Management: Ability to manage multiple loan requests, meet deadlines, and prioritize tasks effectively.
• Technology Proficiency: Intermediate Excel skills (financial modeling, pivot tables, VLOOKUP), familiarity with credit analysis software.
• Curiosity & Learning Agility: Willingness to develop credit expertise, stay informed on industry trends, and apply new knowledge to underwriting and portfolio management.
• Builds Trusted Client Relationships: Identifies needs and delivers tailored solutions to enhance the overall client experience.