Univest Financial Corporation
Commercial Credit Analyst
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Overview
At Univest, we believe strong relationships and thoughtful financial solutions start with talented people. As a Commercial Credit Analyst, you’ll play an important role in supporting the commercial underwriting process by analyzing financial information, preparing credit memoranda, evaluating risk, and partnering with Relationship Managers, Portfolio Managers, and Credit Officers to help serve our customers with confidence and care. If you’re organized, analytical, detail-oriented, and ready to grow your career in commercial banking, we invite you to apply today and take the next step with Univest.
Responsibilities
- 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 tasks include:
- 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 memoranda for approval. Memoranda should include a summary of 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.
- Completes other tasks as requested.
- Responsible for compliance with laws and regulations that apply to the position, including the Univest Financial Corporation Code of Conduct.
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Qualifications
- BS in Finance, Accounting, Business Administration, or Economics, preferred.
- Commercial banking underwriting experience preferred, but not required.
- Understanding of 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.
- Possess strong organizational, analytical, and communications skills.
- Ability to work within compressed deadlines.
- Professional appearance, strong interpersonal skills, positive, and professional attitude.
- Proficient in Microsoft tools such as Teams, Excel, Word, PowerPoint, and Outlook.
Wage Range
- The salary for this position starts at $54,000.
Benefits Overview
Univest offers a comprehensive benefits package that includes:
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- Health Insurance: Medical, dental, and vision coverage (single or family; begins the first of the month following start date)
- Retirement Plan: Participation in 401(k) plan with up to a 3% employer match after 6 months of employment
- Paid Time Off (PTO): 15 days annually (prorated your first year)
- Short Term Disability: 10 days annually of sick time with a doctor’s note (prorated your first year)
- Holiday Time Off: 11 paid holidays
- Commissions: Paid quarterly based on individual and team production
- We offer company paid life insurance: As well as other supplemental insurances
- Tuition reimbursement
- Employee Wellness programs: Including fitness club discounts and fitness tracker discounts/annual reimbursement
- Discounts: On loan products
- Professional development trainings
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#Univest #LI-Hybrid
An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
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