Loan Credit Specialist

JOB FUNCTION / SUMMARY:

The Loan Credit Specialist 2 is a mid-level credit professional responsible for underwriting moderate complexity commercial loan requests and supporting the accuracy and completeness of credit decisions. This role exercises independent judgment within assigned loan authority and acts as a mentor to junior Credit Specialists. The position contributes to a high-quality loan portfolio by applying a judgmental credit approach consistent with bank policy and risk guidelines.

ESSENTIAL DUTIES & RESPONSIBILITIES:

Independently analyze and decision commercial loan requests within assigned loan authority, including C&I and CRE credits.

Prepare financial analyses, including cash flow modeling, ratio analysis, and repayment capacity evaluation.

Recommend loan approval terms and structures when requests exceed assigned authority, ensuring alignment with credit standards.

Communicate credit decisions and conditions clearly to Relationship Managers and other stakeholders.

Mentor and support Credit Specialist 1 team members, contributing to onboarding and skill development.

Apply thorough knowledge of credit policy, regulatory standards (e.g., HMDA, ECOA), and market conditions in loan assessments.

Proactively identify alternative structures or terms to mitigate risk and enable sound loan approvals

Assist DAC and internal partners in interpreting credit-related documentation and due diligence exceptions.

Ensure credit decisions are properly summarized and adjudicated within loan systems and in accordance with audit expectations.

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:

Bachelor’s degree in accounting, finance, economics, or a related field required.

Minimum of 2 years of experience in commercial credit underwriting, loan review, or related banking functions preferred.

Strong financial analysis skills with the ability to interpret borrower statements and assess repayment risk.

Demonstrated understanding of commercial credit policy, risk grading, and cash flow lending practices.

Proficiency with Microsoft Office; basic to intermediate Excel and Word skills required.

Familiarity with credit systems and loan documentation platforms preferred.

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:

Ability to travel if required to perform the essential job functions

Ability to work under stress and meet deadlines

Ability to operate related equipment to perform the essential job functions

Ability to read and interpret a document if required to perform the essential job functions

Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.