Commercial Credit Analyst/Underwriter

BayFirst National Bank is a full-service community bank dedicated to providing a wide range of high-quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one-stop shop and trusted financial resource for the communities that we serve. Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.

Position Summary:

Responsible for providing competent credit analysis for lending activities, assisting in the administration of borrowing accounts, conducting appraisal reviews, training for business loan staff, and completing special projects and assignments. Processes credit applications; verifies credit references and information; and determines credit limits. Prepares reports on the status of credit and collections, and other operating systems. Primary Responsibilities include but are not limited to: Responsible for the evaluation and underwriting of loan applications to determine creditworthiness and compliance with BayFirst National Bank policies. Pre-screen Loan Presentation Summaries (LPSs) to ensure that the request contains sufficient information and financial statements to complete the credit memos and communicate to loan officers if the request is incomplete. Ensure all Bank policies and practices are adhered to during underwriting, including the Bank Secrecy Act and the Fair Credit Reporting policies. Prepare credit memos for requested loans so credit decisions can be made. Coordinate with lending partners to properly structure loan requests in adherence with internal policies. Document the detail and requirements of loan decisions, including conditions to close. Maintain knowledge of BayFirst National Bank policies, risk rating requirements, and compliance standards. Maintain current knowledge of risk-related changes that may impact assigned areas of responsibility. Qualifications include but are not limited to: 5-7 years of experience as a Commercial Credit Analyst. Commercial real estate (CRE) lending experience required, including analysis of income‑producing properties, rent rolls, operating statements, and market conditions. Experience must include underwriting both commercial real estate and C&I loans. Formal credit training from a bank. Proficient with financial statement spreading (Moody's preferred), Excel, Word, Outlook and other analysis software. Experience using CoStar and other real estate and/or industry research is preferred. Proficient with Excel, Word, Outlook and other analysis software. Must be able to review and analyze all customer financial information to ensure sound credit decisions. Must be capable of working independently on larger, complex credit requests. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.