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  • Evaluates loan requests, using a thorough knowledge of loan policy, guidelines, procedures and standard operating procedures.
  • Analyzes the financial condition of existing and prospective bank customers.
  • Accurately reviews financial statements and tax returns submitted by applicants and is capable of evaluating a borrower's ability to repay.
  • Recognizes trends, positive or negative, impacting risk to repayment, the Bank's collateral position or ability of the business to satisfactorily operate.
  • Recommends risk rating adjustments, higher or lower, supported by changes in the borrower's financial condition, collateral or other factors impacting the credit's risk.
  • Analyzes industries and has a thorough knowledge of the risks associated with those industries.
  • Assesses the risks inherent in each industry and suggests appropriate financing structures accordingly.
  • As directed by management undertakes portfolio monitoring actions to identify shifts in risk trends and portfolio performance.
  • Maintains tickler system (Baker Hill) for accurate tracking and reporting of borrower required reporting including financial statements, tax returns, covenants, etc.
  • Responsible for making sound credit decisions based on accurate analysis of information provided with loan requests.
  • Exhibits thorough knowledge of fair lending issues, rules and various regulations that directly impact the commercial lending area (e.g. Regulation B, FACT Act, HMDA, CRA, etc.)
  • Seeks alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated.
  • Demonstrates effective time management by balancing multiple priorities within individual workload.
  • Communicates with and effectively interacts with all levels of management, including lending personnel, loan operations staff and related departments.
  • Performs other duties as assigned or required.


  • Bachelor's degree. Preferably in a business related field such as accounting or finance.
  • Minimum of 3-5 year of commercial underwriting experience or commercial relationship management experience is required. Formal credit and SBA training is a plus.
  • Requires sound understanding of commercial credit analysis techniques including cash flow, evaluation of collateral and is able to make timely decisions in a fast paced, time sensitive environment.
  • Excellent verbal and written communication skills.
  • Computer skills: Thorough knowledge of Word and Excel.
  • Experience in spreading financial statements.
  • Comfortable with and adaptive to working in an evolving electronic environment.

Village Bank & Trust is an Equal Opportunity Employer.

Click here to apply.