Credit Associate (Commercial Credit Underwriter- 1 million to 10 million commitments)
Core
Commercial Credit Underwriter analyzing credit information and financial statements to determine credit worthiness and structure loan extensions for existing and prospective customers.
Role type
Individual contributor commercial credit underwriter
Builds
Loan packages, credit files, and risk ratings for commercial clients
Domain
Banking / Commercial Lending
Deliverable
production ML models | product features | dashboards & analysis | client delivery
Required skills
Financial statement analysis, credit risk assessment, financial modeling, loan structuring, covenant compliance monitoring, portfolio administration
Preferred skills
Mentorship of junior analysts, process improvement initiatives
Technologies
Microsoft Office, credit risk rating models, financial analysis spreadsheets
Responsibilities
Evaluate loan requests for purpose, risk, and collateral; analyze financial data to determine creditworthiness; develop credit write-ups and loan structuring decisions; monitor and maintain loan portfolios; identify and escalate deteriorating credits; serve as a mentor for Credit Analysts.
Seniority
Mid-level, independent contributor with supervision