Essential Functions Include:

Receives data on prospective and active borrowing accounts, i.e., financial statements, agency reports, and interview and investigation sheets.\nAnalyzes data and evaluates the short- and long-run prospects of the individual or company.\nRecommends to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations.\nSupports loan grade after conducting a thorough credit analysis and documentation review.\nProvides thorough documentation of all financial analysis work, including ratios and other related information.\nEnsures that all credit analysis activities are conducted in accordance with prescribed lending policy.\nMay exercise loan authority to approve, restructure or deny commercial loan requests while protecting the Bank and meeting the needs of its clients.\nIdentifies and responds to opportunities to communicate affiliates products and services to promote the image of the affiliate and promote Shore Bancshares' community of companies' products and services to potential customers and referring those customers to the proper personnel.\nRemains efficient and productive despite being assigned the most complex transactions and projects.\nDemonstrates compliance awareness by completing all required regulatory and compliance training (e.g., BSA, CRA, ECOA) on or before deadlines, and actively supporting all policies, procedures, and practices that promote risk management, safety, and regulatory adherence.

Location:

Shore Bancshares Headquarters:

28969 Information Lane, Easton, MD 21601

Position Type/Expected Hours of Work:

Full-time.\nExempt.\n

Days of Work:

Monday-Friday.

Required Education and Experience:

High school diploma/GED equivalent.\nA B.S. or B.A. degree in a related field of study preferred, OR a minimum of 7 years' related experience and specialized financial analysis training.\nMinimum of 5 year's experience in a credit underwriting or credit analyst role\nAn understanding of credit analysis equivalent to that which would be confirmed by RMA's Credit Analysis Certificate\nProficient ability to analyze and interpret financial statements and draw conclusions based on common-sized, trend, comparative and UCA analyses\nAbility to accurately spread and analyze financial statements for various entity types\nAbility to identify source of repayment and perform collateral analysis, including an understanding of appraisal development and DCF cash flow analysis\nIntermediate knowledge of current lending and loan review regulations and banking regulations, procedures, and operations

Compensation:

The pay range for this position is $93,400 to $141,800 annually.\nActual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

Company Benefits:

Join a family and community-oriented workplace that offers a team environment, along with a collaborative and friendly place to work.\nComprehensive benefits package for full-time, permanent employees including health, dental, vision, company-paid life insurance, mental health well-being, short-term and long-term disability, and much more!\nPaid parental leave\n401k savings plan with up to a 4% company match\nEmployee Stock Purchase Plan\nEmployee perks such as: employee banking services, loan discount program, education assistance, career development program, Employee Assistance Program, and wellness initiatives.\nOpportunity for growth and advancement\nPaid training program and continuous training sessions throughout the year on various topics\nGenerous paid time off and paid sick time\nCommunity involvement opportunities Shore United Bank is a full-service financial institution with a rich history dating back to 1876. In excess of $6 billion in assets, we offer innovative financial services delivered with the personal touch you expect. We serve a broad geographic area with branches in Maryland, Delaware, and Virginia, and we also provide a comprehensive suite of digital banking services that allow you to bank with us no matter where life takes you.

In addition to banking, we offer trust and wealth management services through Wye Trust, a division of Shore United Bank. Together, our team of experienced professionals is dedicated to helping you achieve your financial goals. Shore United Bank is an Affirmative Action/Equal Opportunity Employer. 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