Commercial Credit Underwriter

Job Description

Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals; assumes Manager’s responsibilities in the absence of the Credit Analysis Manager by performing the following duties.

• Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial credit relationships of $2,500,000 and greater.
• Keeps up to date with the company’s lending protocols.
• Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision and a working knowledge of accounting principles and financial techniques.
• Research skills
• Strong problem-solving, mathematical and analytical skills
• Excellent written and verbal communication skills
• Ability to maintain confidentiality
• Proficiency with computers and computer software, like programs that aid in statistical and financial calculations
• Proficiency with financial reports and statements
• Strong attention to detail and ability to notice discrepancies in data
• Impeccable understanding of financial statements, ratios, and concepts

Qualifications

• Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; five to eight years credit analysis experience required; or equivalent combination of education and experience.

Supervisory Responsibilities

• Supervises employees of the Credit Analysis Department in manager’s absence, principally in remote markets.
• Carrries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
• Training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.