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Commercial Credit Analyst II
3 months ago
Overview:
Univest Financial Corporation (UVSP), has approximately $7.9 billion in assets and $5.0 billion in assets under management and supervision (as of June 30, 2024). Headquartered in Souderton, Pa. and founded in 1876, the Corporation and its subsidiaries provide a full-range of financial solutions for individuals, businesses, municipalities and nonprofit organizations in the Mid-Atlantic Region. For nearly 150 years, Univest has stayed true to our philanthropic spirit and the strength of our Committed To Local giving program is one of the things that differentiates us. In 2023, Univest donated $2.4 million to our local nonprofits and our employees volunteered more than 13,100 hours.
At Univest we invest in the success of our employees and customers. We offer our employees the ability to be their authentic selves, while fostering a culture and an environment that inspires change and inclusivity. Seeking career-focused individuals, looking to bring passion and creativity to drive change. Our employees are encouraged to work collaboratively and embrace innovation to deploy needs based financial solutions in the communities we serve.
We are seeking a Commercial Credit Analyst II to join our growing team.
Responsibilities:Partner with Relationship Managers and Credit Officers during all phases of commercial underwriting process, which includes new requests, renewals and annual reviews of existing relationships.
Primary roles:
- Underwrite larger and more complex commercial credit exposure within Corporate Banking portfolio.
- Provide leadership and training to Corporate Banking Analysts.
- Organize relevant financial data. Spread and analyze audited, reviewed and company prepared financials in addition to corporate and personal tax returns and personal financial statements.
- Prepare cash flow charts, test covenants, and determine collateral coverage position.
- Prepare credit proposal summaries for credit officers, senior executives and Board members. Written content within proposals include a summary of the analytical framework used to capture the default risk and recovery prospects of a transaction. Topics include but not limited to: financial performance analysis, cash flow generation, risk ratings, debt capacity, borrowing base monitoring, collateral analysis and projected outlook.
- Develop and analyze projections and sensitivity analysis.
- Assess and recommend financial and negative covenants.
- Complete various training assigned by Manager which may be outside normal business hours and off-site.
From time to time, position may require attending off-site client and prospect meetings.
Willing to work towards a Senior Underwriting Officer and/or customer contact position within the Corporate Banking division.
Performs other responsibilities as required by Corporate Banking Underwriting Manager.
Responsible for compliance with laws and regulations that apply to the position, including the Univest Code of Conduct.
Qualifications:Bachelors of Science in Finance, Accounting, Business Administration, or Economics. Other Bachelors degrees considered with commercial lending experience.
Minimum twelve to twenty-four months (12-24 months) commercial banking underwriting experience required. Skills required include: credit risk analysis, financial statement analysis, commercial loan underwriting and succinct business writing. Knowledge of traditional C&I, Commercial Construction, Commercial Mortgage and SBA program loan structures, covenants and documentation.
Strong organizational, analytical and communications skills. Ability to work within compressed deadlines. Comfortable with interacting with executive management. Prior attendance of formal commercial credit training program or regulatory environment preferred.
Proficient in Excel, Word, PowerPoint and Outlook.
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An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
