General Responsibilities / Job Summary :
- Underwrite new and renewal commercial loan requests with a focus on profitability and risk mitigation.
- Handle complex credit structures with minimal supervision.
- Serve as a technical expert in specialized underwriting fields (e.g., Commercial & Industrial, Commercial Real Estate).
- Demonstrate strong credit analysis, structure, and risk identification with minimal need for revisions.
- Produce clear, concise underwriting memos outlining deal structure, repayment analysis, collateral, and risk mitigation.
Essential Functions / Duties :
Uphold corporate values : LIVE, INTEGRITY, NURTURE, KNOWLEDGE.Maintain a positive attitude, willingness to learn, and provide superior client service.Prepare Credit Approval Memoranda for new loan requests, modifications, increases, renewals, and reviews.Gather customer background information from public agencies and reports.Prioritize workflow and communicate regularly with the relationship management team.Meet deadlines to support the bank's loan production goals.Maintain documentation, including ticklers, covenants, and policy exceptions.Join Relationship Managers on customer calls for learning and technical support.Identify potential problem loans and recommend appropriate risk ratings.Work on projects assigned by senior credit leadership.Assist in training new Credit Analysts and interns.Perform other duties as assigned.Requirements
Minimum Qualifications Summary
Education / Training : High school diploma or GED required; bachelor's degree in Finance, Accounting, Business Administration, or Economics preferred; specialized bank lending training is beneficial.
Experience : 5-10 years of commercial loan underwriting or equivalent experience.
Knowledge / Skills / Abilities :
Ability to manage multiple priorities with clear guidance.Strong attention to detail, problem-solving, and proactive mindset.Compliance with bank policies and procedures.Experience in managing vendor relationships.Proficiency in Microsoft Word, Excel, and general computer skills.Strong communication, leadership, and organizational skills.Knowledge of loan principles, policies, financial statement analysis, and lending regulations.Certifications / Licenses : None required.
Travel Requirements : Ability to travel to all bank locations as needed.
Physical / Mental Requirements :
Clear verbal communication and comprehension of complex documents.Ability to operate office equipment and work on a computer for data analysis and reporting.Mobility to coordinate department activities; occasional lifting (up to 50 pounds).Working Conditions : Professional office environment with standard office equipment usage such as standard office equipment, computers, printers / copiers, phones, and postage meters.
