Credit Officer

Job Description:

The Credit Officer will support the Credit Manager and is responsible for the financial analysis and underwriting for Evolve Bank & Trust.  

Main Job Tasks and Responsibilities:

• Commercial Loan Analysis and Underwriting. 


• Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay. 


• Participate in the loan approval process with appropriate authorization.


• Assist Loan Operations in solving loan related structure questions. 


• Assist in the process of vetting new loan products or niche markets. 


• Special Projects / Requests. 


•  Provide analytical assistance on special projects. 


• Support and mentor Credit Analysts.


• Work with lenders on training programs and concept reviews for specific loan requests. 

Education and Experience:

• Minimum of five years’ experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.


• Bachelors’ degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.

Key Competencies

• High attention to detail.


• Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines


• Good verbal and written communication skills.


• Comfortable with conflicting views of others and able to adequately express their point of view.


• Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.


• Able to work well with peers, lenders and superiors.