• Conducting in-depth industry and financial analysis of existing and potential borrowers • Responsible for basic financial analysis of less complex loans/industries/Customers • May research industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet • May participate in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) • Integral part of loan origination process. • Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition • Supports the lending function by providing analytical support • May prepare insightful and timely approval memorandums for presentation to appropriate lending and credit authorities • May analyze financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk • May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos • Monitors compliance with regulatory requirements • May provide written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk • Achieves operational performance standards in quality and timeliness