Commercial Credit Underwriter

Position Summary

Responsible for providing competent credit analysis for lending activities, assisting in the administration of borrowing accounts, conducting appraisal reviews, training for business loan staff, and completing special projects and assignments.

Primary Responsibilities

• Processes credit applications; verifies credit references and information; and determines credit limits.
• Prepares reports on the status of credit and collections, and other operating systems.
• Responsible for the evaluation and underwriting of loan applications to determine creditworthiness and compliance with BayFirst National Bank policies.
• Summarizes Loan Presentation Summaries (LPSs) to ensure completeness and ensures all Bank policies and practices are adhered to during underwriting.
• Prepares credit memos for requested loans so credit decisions can be made.
• Collaborates with lending partners to properly structure loan requests in adherence with internal policies.
• Documents the detail and requirements of loan decisions, including conditions to close.
• Maintains knowledge of BayFirst National Bank policies, risk rating requirements, and compliance standards.
• Maintains current knowledge of risk-related changes that may impact assigned areas of responsibility.

Qualifications

• 5-7 years of experience as a Commercial Credit Analyst.
• Commercial real estate (CRE) lending experience required, including analysis of income-producing properties, rent rolls, operating statements, and market conditions.
• Experience must include underwriting both commercial real estate and C&I loans.
• Formal credit training from a bank.
• Proficient with financial statement spreading (Moody’s preferred), Excel, Word, Outlook and other analysis software.
• Experience using CoStar and other real estate and/or industry research is preferred.
• Must be able to review and analyze all customer financial information to ensure sound credit decisions.
• Must be capable of working independently on larger, complex credit requests.