Loan Credit Specialist
Hancock Whitney
full-time
Posted on:
Location Type: Remote
Location: Louisiana • Texas • United States
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Tech Stack
About the role
- 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
- Ability to travel if required to perform the essential job functions
- Ability to work under stress and meet deadlines
- Ability to operate related equipment to perform the essential job functions
- Ability to read and interpret a document if required to perform the essential job functions
- Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
financial analysiscash flow modelingratio analysisrepayment capacity evaluationcommercial credit underwritingloan reviewrisk gradingcash flow lending practices
Soft skills
communicationmentoringsupporting team members