• Independently analyze and decision commercial loan requests within assigned loan authority, including C&I and CRE credits. • Prepare financial analyses, including cash flow modeling, ratio analysis, and repayment capacity evaluation. • Recommend loan approval terms and structures when requests exceed assigned authority, ensuring alignment with credit standards. • Communicate credit decisions and conditions clearly to Relationship Managers and other stakeholders. • Mentor and support Credit Specialist 1 team members, contributing to onboarding and skill development. • Apply thorough knowledge of credit policy, regulatory standards (e.g., HMDA, ECOA), and market conditions in loan assessments. • Proactively identify alternative structures or terms to mitigate risk and enable sound loan approvals. • Assist DAC and internal partners in interpreting credit-related documentation and due diligence exceptions. • Ensure credit decisions are properly summarized and adjudicated within loan systems and in accordance with audit expectations.