Commercial Credit Underwriter

About the role

Join a high-performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth. This role offers the opportunity to earn up to 30% of your annual wage in quarterly incentives and grow your career within a strong, stable, and expanding organization.

Responsibilities

Responsible for performing administrative duties to support the credit analysis function and achieving goals as established in the assigned department's annual operating plan.

• Receives data on prospective and active borrowing accounts, including financial statements, agency reports, and interview and investigation sheets.
• Analyzes data and evaluates the short- and long-run prospects of individuals or companies.
• May make recommendations to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations if assigned to a lending function.
• If assigned to the loan review function, may suggest a loan grade after conducting a thorough credit analysis and documentation review.
• Provides thorough documentation of all financial analysis work, including ratios and other related information.
• Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
• Achieves goals assigned to the Credit Analyst as part of the department's annual operating plan.
• Abides by current laws and organizational policies to promote a workplace free of sexual harassment and illegal discriminatory behavior.
• Supports risk management, safety, soundness, and compliance with regulatory requirements (e.g., Community Reinvestment Act, Bank Secrecy Act, Equal Credit Opportunity Act).
• Coordinates departmental tasks with coworkers inside and outside the department to ensure efficient processes and proper segregation of duties.
• Complies with established operating policies and procedures to maintain controls and support regulatory adherence.
• Reports pertinent information to the immediate supervisor as requested or according to schedule; compiles and provides data to appropriate bank personnel.
• Provides leadership, on-the-job training, and technical guidance to Credit Analyst Trainee(s).
• Recommends ongoing training for the department.
• Responds to inquiries within given time frames and established policy.
• Maintains appropriate records and provides assigned reports.

Requirements

• A B.S. or B.A. degree in Finance or a related field of study preferred; specialized financial analysis training.
• A minimum of three (3) years of experience in financial analysis; five (5) years preferred.

Skills

• Proficient reading, writing, grammar, and mathematics skills.
• Moderate interpersonal relations and communicative skills.
• Thorough knowledge and understanding of current lending and loan review regulations, banking procedures, and operations.
• Proficient ability to analyze and interpret financial statements.
• Visual and auditory skills.

Physical Requirements

• Occasionally ascends/descends stairs to move through different floors of the location.
• Must be able to remain in a stationary position more than two-thirds of the time.
• Occasionally moves about inside the office to accomplish tasks.
• Frequently communicates with others to exchange information.
• Constantly moves wrists, hands, and/or fingers.
• Must be able to assess the accuracy, neatness, and thoroughness of assigned work.
• Must be able to work around noisy environments.
• Sedentary work primarily involving sitting/standing.

Benefits

Opportunity to earn up to 30% of your annual wage in quarterly incentives. Professional development and career growth within a strong, stable, and expanding organization.