Commercial Underwriting Officer II

Job Summary: The Underwriting Officer is responsible for providing credit decision makers with the in-depth, independent risk analysis necessary for making informed credit decisions. Responsibilities and Duties: Underwrite the creditworthiness of prospective and existing borrowers, particularly in the larger dollar and more complex C&I credits to assist lenders and credit decision-makers in determining loan eligibility. Ensure appropriate credit underwriting, reliable risk assessment, and credit loss minimization consistent with credit policy and regulatory requirements. Financial statement analysis including UCA cash flow. Guarantor analysis. Borrowers' repayment ability. The Bank's collateral position. Industry analysis. Prepare in-depth, front-end analysis of credit request for the purposes of approval. This includes gathering all necessary financial information; discussion of credit request and financial information with customers in conjunction with business/credit partners and shepherding of the credit request through appropriate approval process. Make independent recommendations regarding credit risk supported by comprehensive analysis. Interact with credit approval officers, and lenders and participate in loan presentations to provide additional information and/or support conclusions reached in analysis. Serve as an accomplished resource regarding credit/industry analysis. Participate in joint calling on prospects and clients with Lenders to gather key information for proper credit analysis. Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines. Suggest an asset quality rating based on relationship review. Compile an accurate relationship profitability analysis as directed by corporate policy.   Job Skills and Qualifications: Bachelor's degree or Bachelor of Science in related discipline, or equivalent work experience. 5 – 7 years' experience in commercial credit underwriting or related experience in a commercial bank with a focus on C&I deals in the $5 million to $30 million plus range. This includes but not limited to owner-occupied real estate, working capital, term-debt, equipment, and management buyouts/acquisitions, and asset-based lending. Through knowledge of financial statement analysis and demonstrated ability to identify and mitigate key risks. Experience with syndicated transactions is preferred. Completion of a formal credit training program is preferred.