Careers

Underwriter/Credit Analyst                
 
FLSA:                          Exempt  
EEOC Class:         First Level Manager 
Department:          Credit Department 
Reports to:            Chief Credit Officer
 
              
Essential Duties and Responsibilities:
 

• Underwrite loans ranging from $100M to $7MM to business, individuals, and non-profit organizations. 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
• Prepare annual reviews, renewals, modifications, risk rating evaluations and extensions for existing loan portfolio
• Engage in client meetings and conduct site visits
• Conducts and participates in customer meetings/conference calls
• Ensure all documentation and work product maintained in credit files

• 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 effectively with individuals and groups to manage internal and external customer relationships.
• Ability to communicate clearly and professionally with business clients from various backgrounds and industries
• Thorough understanding of risk and consequences of errors in formulating decisions and providing directions to others.
• Excellent presentation,verbal and written communication skills

• 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 presentation, written and verbal communication and organizational skills.
• Knowledge of bank products and services
• Strong knowledge of Microsoft Office products