Commercial Credit Analyst II

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, age, marital status, pregnancy, genetic information, or other legally protected status. Univest Financial Corp Commercial Credit Analyst II US-PA-Souderton Job ID: 7050 Type: Full Time # of Openings: 1 Category: Corporate Univest Financial Corporation Overview At Univest, we believe strong relationships and thoughtful financial solutions start with talented people. As a Commercial Credit Analyst, you’ll play an important role in supporting the commercial underwriting process by analyzing financial information, preparing credit memoranda, evaluating risk, and partnering with Relationship Managers, Portfolio Managers, and Credit Officers to help serve our customers with confidence and care. If you’re organized, analytical, detail-oriented, and ready to grow your career in commercial banking, Please note this is a hybrid position and could work out of one of our regional offices in Souderton, Doylestown, King of Prussia or Lancaster PA. Responsibilities Partnering with Underwriting Team Leader, Portfolio Managers, Relationship Managers, and Credit Officers during all phases of the commercial underwriting process, which includes new requests, modifications, renewals, and annual reviews of existing relationships. Primary Responsibilities: Independently underwrite commercial credit exposures ($1MM - $4MM). Organize relevant financial data. Spread andevaluateall levels of financial information in addition to corporate and personal tax returns and personal financial statements. Prepare cash flow charts, confirm covenant tests, andassesscollateral position. Prepare written credit risk assessments for lending teams, and credit officers, to include details of risks and mitigating factors. Complete various compliance and underwriting training courses as assigned Possess strong knowledge of industry policies. Accountable for compliance with laws and regulations that apply to this position including the Univest Code of Conduct. Perform other duties as assigned. Qualifications Bachelor’s of Science in Finance, Accounting, Business Administration, or Economics. Other Bachelor’s degrees considered with commercial lending experience. Minimum 3 years’ commercial banking underwriting experience required. Skills required include credit riskevaluation, financial statementevaluation, and succinct business writing. Knowledge of traditional Commercial & Industrial, Commercial Real Estate, and Small Business Lending. Strong organizational,and communication skills, both written and oral. Ability to work within compressed deadlines. Comfortable interacting with lending teams. Formal commercial credit training preferred. Proficient in Microsoft Office products and financial spreading tools. nCino / Salesforce experience is preferred Ability to mentor and collaborate with other analysts and underwriters. Wage Range: The salary for this position ranges from $60,000 - $70,000 Benefits Overview: Health Insurance: Medical, dental and vision coverage (single or family; begins the first of the month following start date) Retirement Plan: Participation in 401(k) plan with up to a 3% employer match after 6 months of employment Paid Time Off (PTO): 15 days annually (prorated your first year) Short Term Disability: 12 weeks of sick time with a doctors note after 6 months of service Holiday Time Off: 11 paid holidays We offer company paid life insurance: as well as other supplemental insurances Tuition reimbursement Employee Wellness programs: including fitness club discounts and fitness tracker discounts/ annual reimbursement Discounts: on loan products Professional development trainings

• Univest
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An Equal Opportunity Employer. Univest does not discriminate against any applicant for employment because of race, color, religion, religious creed, ancestry, national origin, age, sex, disability or protected veteran status. Equal employment opportunity, including veterans and individuals with disabilities.

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