Hancock Whitney · 14 hours ago
Loan Credit Specialist
United States
Full-time
Remote
Entry, Mid Level
2+ years expHancock Whitney is a financial institution seeking a Loan Credit Specialist 2 to manage moderate complexity commercial loan requests. This role involves underwriting, mentoring junior staff, and ensuring compliance with bank policies and risk guidelines.
BankingFinancial Services
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
Qualification
Required
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
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
Preferred
Minimum of 2 years of experience in commercial credit underwriting, loan review, or related banking functions preferred
Familiarity with credit systems and loan documentation platforms preferred
Company
Hancock Whitney
Hancock Whitney is offers a wide array of banking and financial services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Mike Achary
CFO
Shane Loper
Chief Operating Officer
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