• Location: Doylestown, Pennsylvania
  • Type: Direct Hire
  • Job #12571
  • Salary: $80,000.00 - $95,000.00

Salary: 80k-95k with annual bonus 

  • 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.
  • When appropriate, recommend actions such as approval, structural change, or decline.
  • 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.


  • Comply with applicable bank regulations, such as regulations governing currency transactions, purchase of negotiable instruments, and money laundering (BSA, AML).
  • Comply with all applicable regulations and Bank policies regarding employment and employment law.
  • Participate in annual compliance and other job-related training.
  • Relationships and Contacts Internal: Daily contact with commercial lenders, CCO, Credit Officer, Credit Manager, Credit Analysts and loan administrative assistants. Contact with special assets group as needed. External: Frequent contact with borrowers, accountants and loan review. 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


  • 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
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