IT Specialist operating and maintaining IT systems and applications for MAHLE. Responsible for incident management and hardware support in Parma, Italy.
About the role
- Loan Credit Specialist responsible for underwriting moderate complexity commercial loan requests and mentoring junior Credit Specialists. Role based at Hancock Whitney supporting accurate credit decisions.
Responsibilities
- Independently analyze and decision commercial loan requests within assigned loan authority, including C&I and CRE credits.
- Prepare financial analyses, including cash flow modeling, ratio analysis, and repayment capacity evaluation.
- Recommend loan approval terms and structures when requests exceed assigned authority, ensuring alignment with credit standards.
- Communicate credit decisions and conditions clearly to Relationship Managers and other stakeholders.
- Mentor and support Credit Specialist 1 team members, contributing to onboarding and skill development.
- Apply thorough knowledge of credit policy, regulatory standards (e.g., HMDA, ECOA), and market conditions in loan assessments.
- Proactively identify alternative structures or terms to mitigate risk and enable sound loan approvals.
- Assist DAC and internal partners in interpreting credit-related documentation and due diligence exceptions.
- Ensure credit decisions are properly summarized and adjudicated within loan systems and in accordance with audit expectations.
Requirements
- Bachelor’s degree in accounting, finance, economics, or a related field required.
- Minimum of 2 years of experience in commercial credit underwriting, loan review, or related banking functions preferred.
- Strong financial analysis skills with the ability to interpret borrower statements and assess repayment risk.
- Demonstrated understanding of commercial credit policy, risk grading, and cash flow lending practices.
- Proficiency with Microsoft Office; basic to intermediate Excel and Word skills required.
- Familiarity with credit systems and loan documentation platforms preferred.
Benefits
- Equal Opportunity/Affirmative Action Employers.
- Professional development opportunities.
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Tech skills
Location requirements
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