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Openings >> Underwriter/Credit Analyst , AVP
Underwriter/Credit Analyst , AVP
Summary
Title:Underwriter/Credit Analyst , AVP
ID:1083
Department:Credit
Description
Underwriter/Credit Analyst -  Business Lending Team
 
Essential Duties and Responsibilities:
 
  • 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.
 
Skills needed:
 
  • 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.
  
Preferred Background/Experience

 
  • 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
This opening is closed and is no longer accepting applications
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