COMMERCIAL CREDIT ANALYST - WATERFORD

COMMERCIAL CREDITANALYST I

Responsible for working with the Senior Credit Officer primarily on creditanalysis and underwriting of the following loans: Multifamily, Commercial RealEstate and Commercial/Business loans.

ESSENTIAL RESPONSIBILITIES

Responsible for the underwriting and credit analysis of commercial real estate(CRE), multifamily and business loans to determine feasibility and credit riskof granting loans. Assure that the loan package complies with credit, underwriting standards andlending/credit policies. Prepare and/or review the completion of credit approval memorandums (CAM's),includin_g credit analysis, collateral cash flow analysis, debt servicecoverage ratios, rent roll and lease analysis, purchase contract and loan special conditions to present to the representative approval authoritycommittee. Present loan file to the loan officer, senior credit officer or lending authority for discussion and conclusion including the department recommendationto Management and/or Credit Committee. The underwriter must inform the SeniorCredit Officer of any material risk factors, discrepancies or deviationsdiscovered during the preparation and/or review of the CAM, its underwriting,credit analysis and due-diligence. Underwrite and analyze loan packages of bank (retail) programs by evaluatingand reviewing loan application, corporate and personal financial statements,corporate and personal tax return, appraisal reports, environmental reports andother related loan information and supporting documentation. Maintain ongoing communication with the loan officer and customer to provideinformation on transaction status, clarify any discrepancies with thecustomers' account or instructions; resolve problems, concerns/doubts. May assist Senior Credit Officer with loan policies and procedures, qualitycontrol matters, loan review and underwriting.

COMPETENCIES

Customer focus Building strong relations Communication Business acumen Problem analysis & solution Ownership Vision & values Collaboration & teamwork Development (personal & others) Change & innovation Supervisory Responsibilities: This position has no supervisory responsibilities.

WORK ENVIRONMENT

Work is performed in a bank environment. Employees are exposed to externalelements when representing the corporation at external events and may be required to work extended hours, including holidays, should these coincide withthe company ever.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sit, stand, walk and/or maneuver around the office. Ability to lift and/or move up to 10 pounds.

REQUIRED EDUCATION AND EXPERIENCE

Minimum two years' experience of banking/lending practices or related field English/Spanish communication required due to high volume of Hispanic customers Able to work flexible hours according to department needs during peak time Working knowledge with nCino or Fiserv preferred

DISCLAIMER

The above statements are intended to describe the general nature and level ofwork being performed by people assigned to this job. They are not indented tobe an exhaustive list of all responsibilities, duties, skills required ofpersonnel so classified. The reporting relationship may not reflect the mostrecent changes to the corporate reporting structure.

EQUALEMPLOYMENT OPPORTUNITYYEMPLOYER

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