Compensation: $70,000-$85,000
Job Description:

• Underwriter’s should display independent thought to present data, conclusions and recommendations taking into account the boundaries of regulations, policies, and guidelines.
• Collect and analyze financial information about borrowers regarding income, assets, and debts to determine the level of credit that is appropriate for borrower relationship typically at $1 million and up.
• Prepare 10-25 page written presentations for new commercial loans and renewals.
• Presentations include identification of strengths and weaknesses, an appropriate risk grade and recommendation regarding the loan decision.
• Approval will come from SVP’s of Business Banking, Loan Committee, or Executive Management depending on the size of relationship Conduct reviews of covenant compliance and periodic financial statements identifying potential weaknesses.
• Will need to interact with lenders (and customers on occasion) to evaluate credit worthiness of new customers and potential deterioration of existing borrowers.
• Participation in meetings with Business Bankers, and SVP’s regarding commercial loans.
• Think independently to present data, conclusions and recommendations when there may not be a predefined policy or procedure.
• Take ownership for the bank’s commercial loan portfolio to prevent, matured delinquency, payment delinquency, collateral shortfalls, and/or loan charge-offs.

• Must possess working knowledge of basic underwriting principles for Commercial & Industrial Loans or Commercial Real Estate Loans.
• Bachelor’s Degree with significant accomplishment in finance and accounting or commensurate experience and training in credit analysis for commercial loans.
• Minimum of 2-3 years of commercial credit experience (or credit skills that are commensurate)
• Prior completion of formal credit training either through ABA, RMA, or formal internal bank training program.