Senior Business Underwriter

Location: This position can be located at any Seacoast office within the state of Florida.

Summary

To underwrite business loan requests within established loan authority limits. Present to the appropriate leader(s) recommendations for requests that fall outside of policy guidelines or underwriting criteria. Possess a strong working knowledge of all system application and loan programs. Manage the portfolio monitoring process. Provide support and guidance to members of the Community Banking, Marine Division and Commercial Banking Groups’. Assist Banking Lenders in analyzing applicant’s financial position and assist in recommending financing alternatives.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Analyze financial information for new loan requests, renewals/modifications, and existing borrowers to aid the credit decision making and maintenance process. Makes correct lending decisions on loans within his/her credit authority.
• Prepare and present financial information and other information into the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify all risks.
• Investigate all available sources of credit and financial information including reporting services, credit bureaus, other companies, meet with and/or call borrower and accountants.
• Maintain a thorough understanding of loan policy to inform lending personnel of policy exceptions contained in new loan requests/modifications being reviewed for possible restructuring and/or curing and to appropriately document policy exception in loan approval/review documents.
• When necessary, accompany lender(s) on officer calls to existing or potential borrower’s businesses.
• Responsible for preparing department reports as directed.
• Assist the Community Banking Credit Manager with the roll out and continued development of the Seacoast Business Solution (SBS) loan process.
• Assist with developing training programs for the Lenders.
• Develop and maintain the Loan Portfolio Monitoring Process.
  
  

Education And/or Experience

• Bachelor's degree (B. A.) from four-year college or university in Accounting, Business or Finance; or minimum of three years of bank experience and five year experience in lending; or equivalent combination of education and experience.
• Previous Business Lending experience.
  
  

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.