Commercial Credit Associate – Portfolio Management, Credit Underwriting

This is a fully remote position, open to applicants in Alabama.

📋 Description

• Assess new commercial credit applications and significant modifications from initial screening through to approval and throughout the duration of the loan.

• Oversee existing loan portfolios via ongoing credit monitoring, annual assessments, interim updates, covenant tracking, management of problem loans, and early warning indicators.

• Analyze financial statements, tax documents, due diligence reports, credit bureau information, appraisals, internal credit data, industry analyses, and peer comparisons.

• Conduct independent credit evaluations, assign risk ratings, assess credit risks, and provide structuring recommendations across various scenarios including baseline, company-specific, and adverse conditions.

• Detect suspicious activities, emerging credit risks, potential mitigants, industry issues, market trends, and financial patterns.

• Collaborate with relationship managers throughout the deal process and participate in client or prospect discussions.

• Analyze financial statements and create cash flow projections, collateral schedules, covenant sensitivity analyses, financial models, and evaluations of guarantor statements.

• Deliver analyses, data, opinions, and assessments of credit quality during credit discussions and committee meetings.

• Ensure adherence to the Commercial Credit Policy and elevate risk-related concerns to management.

• Uphold internal control standards and act on audit and regulatory recommendations.

• Contribute to the training and development of junior or newly onboarded analysts.

• Lead transaction execution teams in collaboration with Commercial Credit Analysts.

⛳️ Requirements

• A Bachelor's degree in Accounting, Finance, Economics, or a closely related discipline.

• A minimum of 4 years of experience in commercial credit, public accounting, and financial statement evaluation.

• Alternatively, a combined total of at least 8 years of higher education and relevant work experience, including a minimum of 4 years in commercial credit, public accounting, financial statement preparation/evaluation, or related financial analysis.

• Excellent verbal and written communication skills.

• Strong analytical capabilities with expertise in financial modeling and credit metric evaluation.

• Ability to compute and interpret financial ratios, analyze data, and conduct trend analysis.

• Familiarity with legal documentation and structural components.

• Strong critical thinking and problem-solving skills.

• High level of attention to detail and precision.

• Effective organizational and time management abilities.

• Capacity to work autonomously as well as collaboratively within a team.

• Customer-focused interpersonal skills.

• Proficient in Microsoft Office applications.

🏝️ Benefits

• Medical benefits.

• Retirement benefits.

• Forty hours of paid volunteer time each year.

• Competitive, market-informed compensation.

• Equal employment opportunity protections.