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Credit Officer

The Commercial Credit Officer job primarily underwrites commercial lease transactions sourced through various platforms including but not limited to Healthcare, Technology, Industrial, Transportation, and Capital Markets. This role will work closely with all credit personnel, platform sales managers/associates, and VEF support groups.

Key Responsibilities and Duties

+ Prepares written analyses, transaction approval summaries, and related industry studies to assist in lending decisions on new, renewal, and extensions of credit in accordance with VEF policy. The lease transactions will range in size small ticket to large, more complex, transactions that will require detailed underwriting.

+ Presents analytical results and written conclusions to all levels of management and/or credit committees.

+ Establishes and maintains a strong working relationship with VEF originations and operations teams.

+ Completes documentation review and administration up to individual credit authority.

+ Processes appeals and changes to original decisions.

+ Reviews financial condition of vendor, partner, payee, and/or customer.

+ Provides coaching and training of junior credit staff.

+ Ability to exercise single signature credit authority of up to $2MM

Educational Requirements

+ University (Degree) Preferred

Work Experience

+ 5+ Years Required; 7+ Years Preferred

Physical Requirements

+ Physical Requirements: Sedentary Work

Career Level

8IC

Prior experience in the Equipment Finance Industry is a plus.

Prior experience as an underwriter for a Financial Company.

Hybrid work is a minimum of four days a week in office, with one flexible day for remote work.

Posting end date: 6/12/25

Job Seeker Notice

EverBank, N.A. and Sterling Bank and Trust, a division of EverBank, N.A. (together, the "Company") is a nationwide specialty bank providing high-value products and services to consumer and commercial clients nationwide. As a pioneer in online banking, we offer convenient digital access for clients 24/7, in addition to phone banking services and a network of financial centers.

The Company's commitment is to deliver to our clients high-performing, high-yield solutions backed by exceptional service, always giving them the advantage they expect, to make the most of their money.

VEVRAA Federal Contractor

Member FDIC

Notice to Job Seekers (https://everbank.com/about/careers/notice-to-job-seekers)

**Pay Range** $121,500 - $164,300

EverBank, N.A. is an equal opportunity (EEO) employer, dedicated to maintaining a work environment free of bias, harassment, discrimination and retaliation. As an EEO employer, EverBank expressly prohibits discrimination, harassment and retaliation based on protected characteristics such as race, creed, ethnicity, color, age, religion, sex, sex stereotype, pregnancy, sexual orientation, gender, gender identity, gender expression, transgender status, marital status, national origin, ancestry, physical or mental disability, genetic history and information, or military or veteran status. Providing a safe, inclusive environment is a priority at EverBank and, consistent with that mission, EverBank considers all qualified applicants for employment regardless of protected status.

We will not discharge or in any other manner discriminate against associates or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another associate or applicant. However, associates who have access to the compensation information of other associates or applicants as a part of their essential job functions cannot disclose the pay of other associates or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by us, or (c) consistent with our legal duty to furnish information.