Provide exceptional credit support to the Commercial Lending team, CCO, Credit Officer and Credit Manager by preparing analyses and credit approval presentations.

The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.

• Work with Credit Manager, Credit Officer and CCO to ensure consistent and accurate credit analysis and loan presentations.
  • Prepare financial statement spreads and perform comprehensive analysis of cash flow
  • Evaluate individual personal financial statements, tax returns, and prepare global cash flows
  • Verify compliance with credit policy, applicable regulations and lending procedures 
  • Conduct industry and market analysis to identify risks and risk mitigating factors
• Prepare analysis and approval memo for more complex loan requests, reviews and renewals.
• Where appropriate, recommend actions such as approval, change in terms or conditions, decline etc.
• Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
• Work to ensure the appropriate level of analysis is completed in a timely manner for all requests.
• Develop, train, and coach less experienced Credit Analysts and Senior Credit Analysts.
• Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.
• Perform collateral valuations, and provide loan structure and covenant recommendations
• Assist in developing “best in class” Credit Administration Loan Policy and procedure manuals.
• Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.

Education and Experience

• BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience
• Minimum 3-5 years’ experience in credit analysis

Skills and Competencies

• Extensive experience in analyzing complex financial statements and tax returns.
• Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.
• Extensive knowledge of collateral valuation methods.
• Exceptional verbal and written communication skills.
• Exceptional organization / time management skills.
• Proficiency with Microsoft Office and able to quickly master the bank's technology and systems
• Excellent communication and interpersonal skills with the ability to interact with all levels of personnel

• Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.

• Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
• An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.
• Ability to interact effectively with other bank personnel across functional lines.
• Ability to articulate bank strategies and customer service philosophy

• Excellent decision-making skills
• Ability to multi-task in highly demanding environment
• Efficient, high quality producer, with attention to detail
• Good judgment & analytical skills with the ability to remain focused & work independently
• Must be able to process constructive feedback & remain even tempered
• Ability to drive, with a valid driver’s license, to travel between offices and/or attend sales calls and customer visits

Working Conditions

Traditional office environment with no unusual work conditions; the office maintains five day a week operations (Monday – Friday) with operational hours of 8:00am – 5:00pm. Must be willing to travel to other Bank locations as needed, and willing to work in a remote and/or hybrid work environment.

Physical Demands

Penn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.

• Lifting/carrying up to 10 lbs.
• Manual dexterity for computer work
• Speaking, hearing, and vision are required to perform essential functions

Equal Employment Opportunity

It is the policy of Penn Community to provide equal employment and advancement opportunities to all individuals. For this reason, employment decisions at Penn Community will be based on merit, qualifications, and abilities. Except where required or permitted by law, employment practices will not be influenced or affected by an applicant's or Team Member's race, color, religion, sex, national origin, age, sexual orientation, physical or mental disability, veteran status, or any other characteristic protected by law.