Careers

Underwriter/Credit Analyst -  Business Lending Team

• Underwrite commercial and commercial real estate loans ranging from $100M to $7MM to real estate investors, developers, businesses, non-profit organizations and individuals. Types of loans include C & I, term loans and commercial mortgages
• Responsible for reviewing loan packages, interpreting credit quality information and conducting complex credit and financial analyses, based on financials, tax returns, cash flows and industry trends;
• Prepares narrative analysis and recommendations for approval; may participate in special projects assignments.
• Ensures loan structure is consistent with Loan Policy.
• Identifies credit policy exceptions and incorporates suitable mitigants into the credit package.
• Proactively communicates with Lending Officers during the underwriting process.
• Conducts and participates in customer meetings/conference calls.

• Strong underwriting skills and ability to independently understand and communicate complex credit issues and analyze credit risks.
• Proficiency and experience in analyzing financials and reviewing credit quality for business and non-profit loans.
• Strong knowledge of financial accounting.
• Thorough understanding of commercial credit and strong credit quality skills including accounting, financial statement analysis and cash flow analysis experience.
• Ability to work in a fast paced environment and move quickly through assignments to ensure deadlines are met.
• Ability to work effectively with individuals and groups to manage internal and external customer relationships.
• Thorough understanding of risk and consequences of errors in formulating decisions and providing direction to others.

• Bachelors Degree with an equivalent of 3-5 years of experience in an underwriting, credit analysis or lender/relationship manager role.
• Well developed analytical and problem solving skills
• Excellent written & verbal communication and organizational skills
• Knowledge of bank products and services
• Strong knowledge of Microsoft Office products