Commercial Credit Analyst II

Univest Financial Corporation • Lancaster, Pennsylvania

17d • Hybrid

About The Position

At Univest, the Commercial Credit Analyst II supports the commercial underwriting process by analyzing financial information, preparing credit memoranda, evaluating risk, and partnering with Relationship Managers, Portfolio Managers, Credit Officers, and other lending colleagues. The analyst independently underwrites commercial credit exposures from $1 million to $4 million and supports new requests, modifications, renewals, and annual reviews of existing relationships. This is a hybrid position that may be based in Univest's regional offices in Souderton, Doylestown, King of Prussia, or Lancaster, Pennsylvania.

Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, or Economics; other bachelor's degrees may be considered with commercial lending experience.
• At least 3 years of commercial banking underwriting experience.
• Skills in credit risk evaluation, financial statement evaluation, and succinct business writing.
• Knowledge of traditional Commercial & Industrial, Commercial Real Estate, and Small Business Lending.
• Strong organizational and written and oral communication skills.
• Ability to work within compressed deadlines and interact comfortably with lending teams.
• Proficiency with Microsoft Office products and financial spreading tools.

Nice To Haves

• Formal commercial credit training.
• Experience with nCino or Salesforce.

Responsibilities

• Partner with the Underwriting Team Leader, Portfolio Managers, Relationship Managers, and Credit Officers throughout commercial underwriting, including new requests, modifications, renewals, and annual reviews.
• Independently underwrite commercial credit exposures of $1 million to $4 million.
• Organize financial data and spread and evaluate financial information, corporate and personal tax returns, and personal financial statements.
• Prepare cash flow charts, confirm covenant tests, and assess collateral positions.
• Prepare written credit risk assessments for lending teams and credit officers, detailing risks and mitigating factors.
• Complete assigned compliance and underwriting training courses.
• Maintain strong knowledge of industry policies.
• Comply with laws and regulations applicable to the position, including the Univest Code of Conduct.
• Perform other duties as assigned.
• Mentor and collaborate with other analysts and underwriters.

Benefits

• Medical, dental, and vision coverage for individuals or families, beginning the first of the month following the start date.
• 401(k) plan with up to a 3% employer match after 6 months of employment.
• 15 days of paid time off annually, prorated in the first year.
• 12 weeks of short-term disability sick time with a doctor's note after 6 months of service.
• 11 paid holidays.
• Company-paid life insurance and other supplemental insurance.
• Tuition reimbursement.
• Employee wellness programs, including fitness club and fitness tracker discounts and annual reimbursement.
• Discounts on loan products.
• Professional development trainings.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level