Develops, retains, and grows commercial and middle-market banking relationships. Builds and manages a client portfolio, identifies financial needs, structures and analyzes complex credit transactions, evaluates financial statements and tax returns, presents loans to committees, negotiates credit terms, monitors repayment, and solicits new business. Coordinates treasury management solutions, provides exceptional client service, participates in community affairs, and may supervise one to two employees.

Underwrites commercial loans and assesses credit risk for business borrowers across real estate, construction, industrial, franchise, equipment, and SBA lending. Reviews financial statements, tax returns, cash flow, collateral, guarantor strength, and credit reports; prepares credit memos, evaluates loan structures, monitors portfolios, performs covenant checks, and recommends risk ratings. The role also supports relationship and credit officers, reviews junior analysts’ work, and ensures compliance with bank policies.

Analyzes commercial loan financials, cash flows, collateral, risk ratings, and asset quality. Prepares credit memos, reviews loan documentation, monitors borrowing bases and construction draws, addresses underwriting questions, and supports approval decisions. Partners with relationship managers, credit analysts, underwriters, clients, and senior leadership to manage portfolio risk and ensure compliance with bank policies.