Loan Credit Specialist

🔥 0 minutes ago

🇺🇸 United States – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

👻 Ghost score 13%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Hancock Whitney

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1899

🏥 Healthcare

📦 Logistics

🏦 Banking

Healthcare • Logistics • Banking

Hancock Whitney is a financial services company offering a range of personal, business, and commercial banking services. The company provides checking and savings accounts, loans, credit cards, currency exchange, and comprehensive digital banking services for individuals and businesses. Additionally, Hancock Whitney offers commercial loans, equipment finance, asset-based lending, treasury management, and payment solutions. Their wealth management services include private banking, investment management, trust services, and financial planning. Hancock Whitney is committed to community involvement and supports various social and environmental initiatives. The company is dedicated to delivering excellent customer service, backed by over a century of experience in the financial industry.

📋 Description

• 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 • 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 credit policy, regulatory standards, including HMDA and ECOA, and market conditions in loan assessments • 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 • 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