Credit Underwriter Analyst

The Credit Underwriter interacts directly with loan officers and customers/prospects regarding commercial business loans. A Bank Underwriting Analyst is responsible for evaluating the creditworthiness of potential loan applicants by thoroughly analyzing their financial information, assessing risk factors, and making informed lending decisions in accordance with established bank policies and regulatory guidelines. 

Essential Duties and Responsibilities:

• Analyze loan applications to determine creditworthiness. 
• Assess the viability of the loan request. 
• Identify potential risks and areas of concern within loan applications. 
• Prepare detailed credit reports outlining findings and recommendations for loan approval or denial. 
• Utilize quantitative tools to assess creditworthiness. 
• Collaborate with loan officers, relationship managers, and other departments to gather necessary information and facilitate the loan process. 
• Prepare detailed credit reports outlining findings and recommendations for loan approval or denial. 
• Underwrite clients using the Banc’s private banking underwriting guidelines and worksheets
• Ensure loan applications comply with all applicable banking regulations. 
• Stay updated on changes in regulatory requirements and industry standards
• Clearly communicate credit decisions and rationale to internal stakeholders. 
• Other duties as assigned

To perform the job successfully, an individual should demonstrate the following

• Continuous Learning - Assesses own strengths and weaknesses. Pursues training and development opportunities. Seeks feedback to improve performance. Shares expertise with others. Strives to continuously build knowledge and skills.
• Customer Service - Displays courtesy and sensitivity. Manages difficult or emotional customer situations. Meets commitments. Responds promptly to customer needs. Solicits customer feedback to improve service.
• Planning & Organization - Integrates changes smoothly. Plans for additional resources. Prioritizes and plans work activities. Sets goals and objectives. Uses time efficiently. Works in an organized manner.
• Problem Solving - Develops alternative solutions. Gathers and analyzes information skillfully. Identifies problems in a timely manner. Resolves problems in early stages. Works well in group problem solving situations. 
• Teamwork - Balances team and individual responsibilities. Contributes to building a positive team spirit. Exhibits objectivity and openness to others' views. Gives and welcomes feedback. Puts success of team above own interests.
• Use of Technology - Adapts to new technologies. Demonstrates required skills. Keeps technical skills up to date. Troubleshoots technological problems. Uses technology to increase productivity.

Qualifications: 

• Bachelor’s degree from a four-year college or university; 2 years of banking or credit experience preferred; or equivalent combination of education and experience.
• Strong analytical and problem-solving skills
• Proficiency in financial analysis and credit scoring models
• Excellent attention to detail and ability to work independently
• Knowledge of banking regulations and lending guidelines
• MS Office proficiency

Work Environment: 

The noise level in the work environment is usually moderate.

Physical Demands: 

While performing the duties of this job, the employee is regularly required to sit. The employee is frequently required to use hands to finger, handle, or feel and talk or hear.  The employee is occasionally required to stand and walk. The employee must be able to occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow any other instructions, and perform any other related duties, as assigned by their supervisor.

Salary : $70,000 - $90,000