Position Description: This position supports the commercial lending team by underwriting at an advanced level of complexity for commercial portfolios. Provides guidance to structuring, servicing, analysis, and documentation for both new and renewal credits. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assesses and communicates risks to assist department risk mitigation strategies. Provides service and support for both associates and customers, assisting in customer calls and identifying cross-sales opportunities. May assist special projects as needed to facilitate commercial lending activities and service capabilities, and may provide direction to less experienced underwriters in the work group.
Duties & Responsibilities
Underwriting - Underwrites new and renewal commercial credits according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with customers or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. May provide guidance to less experienced underwriters through knowledge of underwriting procedures and information needs.
Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilizes results of analysis to underwrite commercial loans.
Risk Management - Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.
Business Support - Identifies cross-sales opportunities for new and existing relationships based on analysis activities. Identifies servicing information and prepares loan approval documentation. Partners with associates and customers to determine needs and structuring of new requests, renewals, and modifications, participating in customer and prospect calls as needed. May assist management with peer development and training.
Position Requirements: Basic Qualifications: Bachelor's Degree with 6 years of experience in Commercial Lending, Commercial Credit Analysis, Financial Statement Spreading and projections. OR High School Diploma/GED with 10 years of experience with 6 years of experience in Commercial Lending, Commercial Credit Analysis, Financial Statement Spreading and projections. We are an Equal Opportunity Employer and do not discriminate against applicants on the bases of race, color, religion, national origin, sex, age, disability, veteran or military status, sexual orientation, gender identity, genetic information, or any other legally protected status.