Commercial Lending Analyst
1 week ago
At WSFS Bank, we are dedicated to fostering the growth of our Associates, guiding our clients towards financial stability, and actively contributing to the prosperity of our Communities. Our careers offer a welcoming and supportive environment, competitive compensation, opportunities for advancement, and more. As a leading locally-based bank and wealth management firm, we take pride in being recognized as a Top Workplace by our Associates, who strive to make a positive impact every day for the individuals, businesses, and Communities we serve. Our mission, encapsulated in 'We Stand For Service,' reflects our commitment to excellence.
The Commercial Lending Analyst plays a crucial role in executing the underwriting processes related to commercial loans. The individual will be tasked with drafting credit memorandums and assisting Commercial Relationship Managers, as well as preparing commercial loan documentation for approval.
Key Responsibilities:
- Employ financial spreading software to analyze financial data from statements or tax returns, reviewing and interpreting business financial documents and individual tax filings to formulate credit requests.
- Draft credit memoranda and financial ratio analyses for submission to the relevant lending authority, including the Senior Loan Committee, for endorsement.
- Authorize loans within established credit limits, identify potential risks, and support the presentation of credit proposals.
- Provide assistance to Commercial Lending Teams and Relationship Managers as required.
- Collaborate closely with the Loan Documentation team to ensure all due diligence is satisfactory prior to loan finalization.
- Facilitate training for new associates on system applications and appropriate underwriting practices.
- Travel to client locations and various WSFS facilities as necessary.
- A Bachelor's Degree in finance or accounting, or equivalent professional experience is essential.
- A solid foundation in finance and accounting is required, providing the necessary skills for commercial loan underwriting and analysis, including the evaluation and interpretation of client financial statements and tax returns, as well as an understanding of data from personal and business credit bureaus.
- A minimum of 2-4 years of experience in commercial credit underwriting, with a strong emphasis on reviewing personal and business financial statements.
- A general understanding of business and banking principles is necessary.
- Strong analytical capabilities are essential.
- Proficiency in Microsoft Office, particularly Excel, is required.
- The ability to think independently while collaborating with other professionals and structuring loan requests in accordance with bank policy is crucial.
- Excellent verbal and written communication skills are mandatory.
- A good grasp of applying Loan Policy to underwriting documentation is essential.
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