About this role
Job description:
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.
• Prepare and review detailed credit approval memorandums for complex lending relationships, including formulation of approval recommendation, structural enhancements, and risk mitigation strategies. • Lead and develop an assigned team of Credit Analysts to efficiently support underwriting and loan decisioning in conformity with the Bank’s policies and service level agreements. • Manage the ongoing development, coaching and onboarding of junior staff, fostering strong analytical capabilities, sound credit judgement, and supporting career growth within the organization. • Review and optimize the quality and consistency of staff underwriting and financial analysis. • Ensure adherence to internal credit policy, regulatory guidance, and sound banking practices while supporting prudent and consistent credit decisions. • Administer departmental workflows and pipeline activities to ensure timely, accurate, and service oriented delivery of loan originations, renewals, modifications, reviews and other related actions. • Facilitate direct collaboration with commercial lenders, credit administration staff and loan operations teams to enhance communication, efficiency, and client responsiveness throughout the credit process. • Utilize independent judgement in recommending credit actions and solutions, including approvals, modifications, structural changes, and risk rating adjustments. • Exercise independent credit approval authority as granted commensurate with experience and established lending policy guidelines. • Engage in regular contact with commercial lenders, loan administrators, and other bank team members, as well as borrowers and accountants when requested.
Compliance
• Comply with all applicable regulations and Bank policies regarding employment and employment law. • Participate in annual compliance and other job-related training. • Comply with applicable banking regulations, Bank policies and all procedures. • Comply with Bank’s internal privacy and ethics standards.
Education and Experience
• BA or BS in Accounting, Finance, Economics or related field required • Minimum of 5 years’ experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required. • Minimum 2 years’ experience training/mentoring other credit analysts preferred
Skills and Competencies
• Advanced commercial credit expertise with a demonstrated track record of analyzing complex CRE, C&I and construction lending relationships. • Strong understanding of commercial banking principles, loan structuring, credit risk management, regulatory expectations, and sound underwriting practices. • Proven ability to evaluate complex financial statements, tax returns, borrowing structures, collateral valuations, and diverse sources of repayment to support informed credit decisions. • Demonstrated leadership, coaching, and team development capabilities, with experience mentoring analysts and fostering a collaborative, high-performing credit culture. • Strong organizational and workflow management skills with the ability to effectively prioritize competing deadlines in a relationship driven commercial banking environment. • Exceptional verbal and written communication skills. • Thorough knowledge of credit-related laws and best practices. • In-depth knowledge of the Bank’s credit policy, products and services. • Proficiency with Microsoft Office and an ability to quickly adapt to evolving banking technologies, credit systems, and workflow platforms. • Excellent time management skills and the ability to multi-task and prioritize assignments • Strong problem-solving and analytical skills
Working Conditions
Traditional office environment with the ability to work remotely on a hybrid basis; 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.
Penn community Bank is an equal opportunity employer.