• Performs audit quality review and approval of commercial lease and loan applications and submission documentation at time of underwriting for full compliance with bank credit standards and feasibility of the proposed transaction. • Works with salesperson to structure each request to best protect the Bank and to meet the borrower’s desired outcome. • Communicates with borrowers, sales team, internal team members, and others as appropriate. • Prepares detailed financial analyses of borrowing entity, any corporate guarantors and/or affiliates, and principles in the transaction. • Maintains accurate and complete lease and loan files. • Generates a written Credit Approval Memorandum reflecting a full underwriting of the proposed transaction meeting bank standards for approval within Bank’s SLA. • Assembles credit committee packages and works with management for presentation to the lease or loan committee when needed. • Serves as the primary backup for the Commercial Credit Manager. • Determines initial eligibility on certain government guaranteed products (as applicable). • Works with the compliance department to facilitate the closing of requests and handles credit-related issues as needed. • Prepares timely modifications as needed to complete closing process. • Prepares and sets up credit files in accordance with Commercial standards. • Trains and mentors less experienced credit officers and analysts. • Performs other duties as assigned.