KEY RESPONSIBILITIES Underwriting • Coordinate/assist in underwriting process for both new and existing commercial transactions • Demonstrates advanced proficiency in structuring complex credit transactions and assessing risk across diverse industries and borrower profiles • Anticipates potential credit issues and proactively recommends solutions that align with the bank’s risk appetite and strategic goals • Ensure that loan structure and pricing reflect both asset quality and return on equity expectations of bank • Serves as a mentor to junior team members, providing guidance on credit structuring and decision-making • Facilitate and participate in discussions with commercial lending staff and decision makers to advance credit approval process • Contributes to the continuous improvement of credit processes and policy interpretation Financial Analysis • Collects and researches data and synthesizes financial data into meaningful terms • Recognizes trends and patterns and identifies data relationships and dependencies • Makes recommendations based on analysis • Consistently delivers high-quality work, setting an example for others Portfolio Management • Monitor and manage portfolio activities individually and/or jointly with Relationship Manager, based on size and complexity of client relationship • Provide leadership role in loan renewals, annual review and other regular reporting for existing loan relationships • Review and monitor trends to ensure accurate risk rating and appropriate risk mitigation is in place at all times • Proactively identifies opportunities and contributes to team success • Additional responsibilities may include oversight of specific Commercial Segment including significant input regarding polices and processes to help manage performance and risk management across the bank Relationship Management • Cultivates and sustains high-value relationships with both internal stakeholders and key clients • Demonstrates empathy, openness to diverse viewpoints, and a collaborative mindset • Serves as a trusted advisor and strategic partner • Leads by example in fostering collaboration, resolving conflict, and expanding client relationships to support long-term growth and retention Teamwork • Proactively establish and maintain effective working relationships with all commercial related associates and functions • Collaborate with others to maintain/improve overall processes and procedures while being sensitive to the voice of the client in daily interactions • Encourage open communication and ensure that all parties have the opportunity to share concerns and opinions Business Acumen • Demonstrates advanced understanding of business strategy, regulatory frameworks, and market forces • Anticipates implications of credit decisions on profitability, risk, and customer relationships • Aligns efforts with enterprise-wide goals and Emprise’s long-term vision Judgment • Consistently exercises advanced-level judgment in complex credit and portfolio decisions • Anticipates downstream impacts and integrates strategic, financial, and regulatory considerations • Serves as a resource for peers and contributes to decision-making frameworks and policy refinement Compliance • Stays current with regulatory activities and complies with legal and regulatory guidelines • Ensures that credit decisions are appropriately documented Other duties as assigned within the scope and responsibility of the job Requirements • Bachelor’s degree in business or related discipline, or level of education that, together with industry experience, enables the applicant to meet the job requirements • Minimum of two years’ overall banking experience required in growth-oriented commercial or corporate lending environment with experience in portfolio management and/or underwriting • Thorough knowledge of credit policies, procedures and terminology • Excellent presentation, verbal, and written communication skills • Proficiency with large server-based applications and typical desktop software • Solid understanding of regulatory and compliance guidelines and requirements concerning all aspects of commercial credit Benefits In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success. At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA+, veterans, and persons with disabilities are encouraged to apply. To learn more, please visit our website at www.emprisebank.com. Emprise Bank is an EEO/AA/ADA/Veteran Employer/Member FDIC/Drug Free Workplace. Emprise Bank participates in E-Verify and will provide your Form-I 9 to the federal government to confirm authorization to work in the United States.