Commercial Credit Analyst II

Univest Financial Corporation (UVSP), has approximately $8.1 billion in assets and $5.2 billion in assets under management and supervision (as of December 31, 2024). Headquartered in Souderton, Pa. and founded in 1876, the Corporation and its subsidiaries provide a full-range of financial solutions for individuals, businesses, municipalities and nonprofit organizations in the Mid-Atlantic Region. For nearly 150 years, Univest has stayed true to our philanthropic spirit and the strength of our Committed to Local giving program is one of the things that differentiates us. In 2024, Univest donated $2.1 million to our local nonprofits and our employees volunteered more than 16,000 hours.

At Univest we invest in the success of our employees and customers. We offer our employees the ability to be their authentic selves, while fostering a culture and an environment that inspires change and inclusivity. We seek career-focused individuals, looking to bring passion and creativity to drive change. Our employees are encouraged to work collaboratively and embrace innovation to deploy needs-based financial solutions in the communities we serve.

We are seeking a Commercial Credit Analyst II to join our growing team.

Partner with Relationship Managers and Credit Officers during all phases of the commercial underwriting process, which includes new requests, renewals, and annual reviews of existing relationships.

Primary roles:

• Underwrite larger and more complex commercial credit exposure within the Commercial Lending portfolio.
• Organize relevant financial data. Spread and evaluate audited, reviewed, and company-prepared financials in addition to corporate and personal tax returns and personal financial statements.
• Prepare cash flow charts, test covenants, and assess collateral coverage positions.
• Prepare credit proposal summaries for credit officers, senior executives, and Board members.
• Written content within proposals includes a summary of the evaluative framework used to capture the default risk and recovery prospects of a transaction. Topics include, but are not limited to: financial performance evaluation, cash flow generation, risk ratings, debt capacity, borrowing base monitoring, collateral evaluation, and projected outlook.
• Develop and evaluate projections and responsiveness evaluation.
• Assess and recommend financial and negative covenants.
• Complete various training assigned by Manager, which may be outside normal business hours and off-site.
• From time to time, the position may require attending off-site client and prospect meetings.

Accountable for compliance with laws and regulations that apply to this position including the Univest Code of Conduct.

Perform other duties as assigned.

Bachelor's of Science in Finance, Accounting, Business Administration, or Economics. Other Bachelor's degrees considered with commercial lending experience.

Minimum twelve to twenty-four months (12-24 months) commercial banking underwriting experience required. Skills required include: credit riskevaluation, financial statementevaluation, commercial loan underwriting, and succinct business writing. Knowledge of traditional C&I,

Commercial Construction, Commercial Mortgage, and SBA program loan structures, covenants, and documentation.

Strong organizational,evaluative, and communication skills. Ability to work within compressed deadlines. Comfortable with interacting with executive management. Prior attendance of formal commercial credit training program or regulatory environment preferred.

Proficient in Excel, Word, PowerPoint, and Outlook.

Wage Range:

The salary for this position starts at $50,000+

Benefits Overview:

Univest offer's a comprehensive benefits package that includes:

• Health Insurance: Medical, dental and vision coverage (single or family; begins the first of the month following start date)
• Retirement Plan: Participation in 401(k) plan with up to a 3% employer match after 6 months of employment
• Paid Time Off (PTO): 15 days annually (prorated your first year)
• Short Term Disability: 10 days annually of sick time with a doctors note (prorated your first year)
• Holiday Time Off: 11 paid holidays
• Commissions: paid quarterly based on individual and team production
• We offer company paid life insurance: as well as other supplemental insurances
• Tuition reimbursement
• Employee Wellness programs: including fitness club discounts and fitness tracker discounts/ annual reimbursement
• Discounts: on loan products
• Professional development trainings

Click here for Benefit Information

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An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

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