Loan Credit Specialist 2 (Commercial Credit)

Location: Remote - Georgia (Pineloch), United States

Company

hirify.global is a banking organization managing commercial lending and credit risk through policy-based underwriting.

What you will do

• Underwrite and make decisions on moderate-complexity commercial loan requests, including C&I and CRE credits.
• Prepare cash flow models, ratio analyses, and repayment capacity assessments.
• Recommend approval terms and loan structures for requests exceeding assigned authority.
• Communicate credit decisions and conditions to Relationship Managers and other stakeholders.
• Identify alternative structures and terms to mitigate risk and support sound approvals.
• Mentor Credit Specialist 1 employees and support onboarding and skill development.

Requirements

• Bachelor’s degree in accounting, finance, economics, or a related field.
• At least two years of experience in commercial credit underwriting, loan review, or related banking functions preferred.
• Strong financial analysis skills, including borrower statement interpretation and repayment risk assessment.
• Understanding of commercial credit policy, risk grading, and cash flow lending practices.
• Basic to intermediate proficiency in Microsoft Excel and Word.
• Ability to travel if required, work under stress, meet deadlines, and handle relevant documentation and equipment.

Nice to have

• Familiarity with credit systems and loan documentation platforms.

Culture & Benefits

• Full-time employment in a remote role based in Georgia.
• Work is performed within bank policy, regulatory standards, risk guidelines, and audit expectations.
• Opportunity to mentor junior credit professionals and contribute to onboarding and skill development.