Partner with Relationship Managers, Portfolio Managers, and Credit Officers during all phases of commercial underwriting process, which includes new requests, renewals and annual reviews of existing relationships. Primary roles: • 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 approval. 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, loan grades, debt capacity, and projected outlook. • Complete various training assigned by Manager which may be outside normal business hours and off-site. Performs other responsibilities as required. Responsible for compliance with laws and regulations that apply to the position, including the Univest Code of Conduct.
Bachelor’s of Science in Finance, Accounting, Business Administration, or Economics. Other Bachelor’s degrees considered. Commercial banking underwriting experience preferred. Skills required or to be developed 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 senior management. Professional appearance, strong interpersonal skills, positive and professional attitude. Proficient in Excel, Word, PowerPoint and Outlook.