Loan Credit Specialist 3

Hancock Whitney Bank • New Orleans, LA

8d

About The Position

Loan Credit Specialists review, renew, monitor, and make decisions on Commercial, Private Banking, and Community Banking loan applications for commercial and industrial (C&I) and commercial real estate loans in a centralized environment. The position handles credits within assigned loan authority using judgmental credit analysis and underwriting, and may recommend terms and structures for loans exceeding that authority. It also supports Relationship Managers, administrators, and the document analysis center (DAC) in communicating loan decisions.

The role analyzes applicants’ financial statements and tax returns, evaluates repayment capacity and global cash flow, and makes accurate decisions within specified limits. It may involve seeking alternative financing, restructuring or renegotiating existing customer terms, and mentoring lower-level Loan Credit Specialists. The role has no supervisory responsibilities.

Requirements

• Bachelor’s degree required, preferably in accounting, finance, or economics.
• Five years of credit analysis and/or loan review experience required, preferably in the banking industry.
• A combination of education, experience, and training may be considered.
• Attention to detail and excellent verbal, written communication, and organizational skills.
• Proficiency with Microsoft Office applications; intermediate Excel and Word skills required.
• Ability to use judgmental commercial credit underwriting skills and make decisions within assigned loan authority.
• Ability to work under stress and meet deadlines.
• Ability to operate related equipment and read and interpret documents as needed to perform essential job functions.
• Ability to lift, move, or carry approximately 10 pounds if required to perform essential job functions, subject to accommodation.

Nice To Haves

• Knowledge of and familiarity with deposit and loan accounting systems.

Responsibilities

• Review, renew, monitor, and decision commercial, private banking, and community banking loan applications for C&I and commercial real estate loans.
• Provide loan decisions or credit recommendations based on underwriting criteria, including loan structure, collateral, interest rate, and fees, within assigned loan authority.
• Recommend loan approval terms, conditions, and structures for loans that exceed assigned authority.
• Review financial statements and tax returns; assess project cash flow, income potential, debt service obligations, global cash flow, and borrowers’ ability to repay.
• Specify due diligence conditions required for approval, applying local knowledge of the borrower’s commercial real estate market.
• Evaluate commercial loan requests using knowledge of credit policy, guidelines, procedures, fair lending issues, HMDA, and applicable regulations.
• Summarize and adjudicate final credit decisions within credit authority in a credit processing system, subject to management monitoring and review.
• Refer and recommend loans above approval limits to a Senior Loan Credit Specialist or Team Leader.
• Meet unit productivity goals and make accurate lending decisions within specified limits.
• Seek alternative financing or counteroffers when the original request cannot be accommodated; restructure, up-sell when appropriate, or renegotiate terms for existing customers.
• Communicate loan decisions and interact effectively with Relationship Managers, administrators, Commercial and Community Bankers, Team Leaders, Segment Leadership, management, and related departments.
• Mentor lower-level Loan Credit Specialists.
• Assist the document analysis center with due diligence or loan-condition clarification and interpretation of due diligence exceptions or appraisal, survey, and environmental assessment items.
• Travel if required to perform essential job functions.

What This Job Offers

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