Job description

Position Summary: A Credit Underwriter has been credit-trained and has at least 7 years of experience. The position is responsible for gathering and analyzing credit information on current and potential borrowers; determine the advisability of granting credit for diversified types of loans; assists loan officers as well as junior credit analysts in writing loan presentations for approval; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services when applicable.

Duties & Responsibilities:

• Primary:

· Underwriting new loan business, annual reviews, as well as renewals/modifications.

· Majority of work will be commercial in nature (versus consumer).

· Attend customer calls / meetings when appropriate.

· Play a role in the loan decision making process.

· Assist with the coordination of loan portfolio reviews, audits and regulatory reviews.

• Monthly tracking and maintenance of Borrower Financial Statement Tickler Report and Financial Covenant Tracking Report, along with calculation and compliance. Follow-up with Relationship Managers to obtain required information, and prepare and process the Financial Statement Cover Memo.
• Attain proficiency in Moody’s Lending Cloud software (including financial spreading, global cash flows and rent roll modules, among others as needed) and fluency in Bank’s Credit Policy, particularly with legal lending limit thresholds, general authority approval levels, and underwriting guidelines among other policies.
• Attain proficiency with Reis and other underwriting systems as needed.

Requirements:

• Good verbal and written communication skills.
• Must have adequate familiarity with MS Word and Excel.
• Has been credit-trained and has at least 7 years credit or lending experience.
• Strong organizational, management, communication and analytical skills.
• Bachelor’s degree or equivalent work experience.

First Bank is an EEO/AA Employer, M/F-Disabled-Veteran and LGBTQ+ can apply to our company for employment opportunities.

Job Type: Full-time

Pay: From $72,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible schedule
• Health insurance
• Health savings account
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Ability to commute/relocate:

• Township of Hamilton, NJ 08690: Reliably commute or planning to relocate before starting work (Required)

Experience:

• Credit/Lending: 7 years (Preferred)

Work Location: One location

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