<p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Cambria,serif"><b>Key Responsibilities:</b></span></span></span></p> <ul> <li style="margin-bottom:11px"><span style="font-size:11pt"><span style="tab-stops:list .5in"><span style="line-height:107%"><span style="font-family:Cambria,serif"><b>Financial Analysis:</b> Conduct comprehensive financial analysis, including review of financial statements, cash flow, and other financial metrics to evaluate the creditworthiness of individuals and businesses.</span></span></span></span></li> <li style="margin-bottom:11px"><span style="font-size:11pt"><span style="tab-stops:list .5in"><span style="line-height:107%"><span style="font-family:Cambria,serif"><b>Credit Evaluation:</b> Lead the evaluation of credit applications by performing in-depth risk assessments, recommending appropriate credit limits and terms.</span></span></span></span></li> <li style="margin-bottom:11px"><span style="font-size:11pt"><span style="tab-stops:list .5in"><span style="line-height:107%"><span style="font-family:Cambria,serif"><b>Industry Research:</b> Stay abreast of industry trends, market conditions, and regulatory updates to inform credit risk decisions.</span></span></span></span></li> <li style="margin-bottom:11px"><span style="font-size:11pt"><span style="tab-stops:list .5in"><span style="line-height:107%"><span style="font-family:Cambria,serif"><b>Credit Risk Management:</b> Prepare and present credit reports and risk assessments to senior management, aiding in strategic decision-making.</span></span></span></span></li> <li style="margin-bottom:11px"><span style="font-size:11pt"><span style="tab-stops:list .5in"><span style="line-height:107%"><span style="font-family:Cambria,serif"><b>Compliance:</b> Ensure all credit approvals and decisions comply with internal credit policies and regulatory standards.</span></span></span></span></li> <li style="margin-bottom:11px"><span style="font-size:11pt"><span style="tab-stops:list .5in"><span style="line-height:107%"><span style="font-family:Cambria,serif"><b>Collaboration:</b> Work closely with cross-functional teams, including credit, relationship management, and risk departments to streamline credit processes and ensure efficiency.</span></span></span></span></li> </ul> <div align="center" style="text-align:center; margin-bottom:11px"> <hr align="center" size="2" width="100%" /></div>