Credit Officer

Job Description:

The Credit Officer will support the Credit Manager and is responsible for the financial analysis and underwriting for Evolve Bank & Trust.  

Main Job Tasks and Responsibilities:

• Commercial Loan Analysis and Underwriting. 
• Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay. 
• Participate in the loan approval process with appropriate authorization.
• Assist Loan Operations in solving loan related structure questions. 
• Assist in the process of vetting new loan products or niche markets. 
• Special Projects / Requests. 
•  Provide analytical assistance on special projects. 
• Support and mentor Credit Analysts.
• Work with lenders on training programs and concept reviews for specific loan requests. 

Education and Experience:

• Minimum of five years’ experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.
• Bachelors’ degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.

Key Competencies

• High attention to detail.
• Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines
• Good verbal and written communication skills.
• Comfortable with conflicting views of others and able to adequately express their point of view.
• Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.
• Able to work well with peers, lenders and superiors.