Demonstrated knowledge of commercial loan structures, underwriting principles, credit policy and procedures, accounting principles, and regulatory expectations
Ability to apply sound underwriting judgment using financial analysis, credit policy interpretation, and product knowledge, including SBA lending concepts, to appropriately identify and mitigate risk
Strong analytical, reasoning, and problem-solving skills with the ability to assess complex credit scenarios, identify risks, and recommend appropriate mitigants
Proven ability to work independently while collaborating effectively with internal partners to meet deadlines in a fast-paced environment
Highly developed written and verbal communication skills, with the ability to clearly document credit decisions and communicate recommendations to stakeholders
Demonstrates strong organizational, prioritization, and time management skills, with consistent attention to detail and accountability for results
Exhibits sound judgment, professionalism, and discretion; demonstrates initiative, resourcefulness, and self-motivation; and maintains a team-oriented approach while managing multiple competing priorities
