EFG Senior Credit Officer

First Commonwealth Financial
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 7+ yearsEducation: bachelorsSkills: ["Analytical skills","Communication","Interpersonal skills","Writing skills","Mathematical skills"]

Provide credit support for the Equipment Finance Group by performing credit analysis on small-to-middle ticket applications up to $5M. Analyze financial statements, cash flow, and credit reports, communicate decisions, and prepare formal credit memos with recommendations to the Credit Manager or Loan Committee. Gather underwriting data on business, guarantor, exposure, and collateral, support portfolio acquisition due diligence, and review source programs and annual obligor reviews.

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First Commonwealth Financial
First Commonwealth Financial
2 days ago

EFG Senior Credit Officer

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Last checked: 9 hours agoStatus: Live

Job Summary

Provide credit support for the Equipment Finance Group by performing credit analysis on small-to-middle ticket applications up to $5M. Analyze financial statements, cash flow, and credit reports, communicate decisions, and prepare formal credit memos with recommendations to the Credit Manager or Loan Committee. Gather underwriting data on business, guarantor, exposure, and collateral, support portfolio acquisition due diligence, and review source programs and annual obligor reviews.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Perform credit analysis on small-to-middle ticket credit applications up to $5,000,000.
  • •Conduct financial statement, cash flow, and projection analysis and evaluate consumer and commercial credit reports.
  • •Communicate timely, accurate credit decisions and gather underwriting data on business, guarantor, exposure, and collateral.
  • •Identify applicant weaknesses and apply structuring techniques (e.g., rate enhancements, down payments, additional collateral, term reduction).
  • •Prepare formal credit memos and present recommendations; provide due diligence for portfolio acquisitions and review/approve source programs and annual obligor reviews.

Key Requirements

  • •7+ years of experience performing financial statement analysis to evaluate finance transactions up to $5,000,000.
  • •Strong analytical and mathematical skills with superior reading, writing, and grammar.
  • •Proficiency in credit underwriting-related documentation and communication with internal/external customers.
  • •Bachelor’s degree in business or credit underwriting-focused educational training preferred.
  • •Knowledge of Microsoft Windows and Microsoft Office required.
Experience:7+ yearsFinancial servicesEquipment finance
Education:Bachelor's in business
Skills:Analytical skillsCommunicationInterpersonal skillsWriting skillsMathematical skills
Tech Stack:Microsoft WindowsMicrosoft Office

Company Brief

First Commonwealth Financial
Regional financial services company providing banking, lending, wealth management, and related financial products for individuals and businesses. Operates primarily through First Commonwealth Bank across Pennsylvania and neighboring markets.
Industry: Banking
Company Size: Large (251 to 1,000 employees)
Revenue: USD 100M to 250M
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Indiana, United States
Founded: 1982
WebsiteLinkedIn