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 supports the credit analysis function and contributes to regional growth goals while offering strong financial recognition, including the opportunity to earn up to 30% of your annual wage in quarterly incentives.

Responsibilities

• Performs administrative duties to support the credit analysis function, achieving goals as established in the assigned department's annual operating plan.
• Receives and analyzes data on prospective and active borrowing accounts, including financial statements, agency reports, and interview/investigation sheets.
• Evaluates short- and long-run prospects of individuals or companies and may recommend loan approvals or denials to appropriate personnel.
• Prepares thorough documentation of financial analysis, including ratios and related information, to support recommendations.
• Ensures credit analysis activities comply with prescribed lending policies and banking regulations (e.g., Community Reinvestment Act, Bank Secrecy Act, Equal Credit Opportunity Act).
• If assigned to loan review, suggests loan grades after conducting credit analysis and documentation review.
• Coordinates departmental tasks with coworkers to ensure efficient processes and proper segregation of duties.
• Provides leadership, on-the-job training, and technical guidance to Credit Analyst Trainees and recommends ongoing training for the department.
• Responds to inquiries from bank personnel, customers, and others within established time frames and policies.
• Maintains appropriate records and provides assigned reports.
• Abides by organizational policies and procedures to promote a harassment-free, compliant, and risk-managed workplace.

Requirements

• B.S. or B.A. degree in Finance or a related field preferred; specialized financial analysis training.
• Minimum of three (3) years of experience in financial analysis; five (5) years preferred.
• Thorough knowledge of lending and loan review regulations, banking procedures, and operations.
• Proficiency in analyzing and interpreting financial statements.
• Strong interpersonal, communication, and mathematical skills.
• Visual and auditory skills required for task accuracy and workplace interaction.

Skills

• Proficient reading, writing, grammar, and mathematics.
• Moderate interpersonal and communicative abilities.
• Ability to assess accuracy, neatness, and thoroughness of work.

Benefits

• Opportunity to earn up to 30% of annual wage in quarterly incentives.
• Career growth within a strong, stable, and expanding organization.
• Professional development and recognition for contributions.

Physical Requirements

• Occasionally ascends/descends stairs to move between floors.
• Remains in a stationary position (sitting/standing) more than two-thirds of the time.
• Occasionally moves about inside the office to accomplish tasks.
• Frequently communicates with others to exchange information.
• Constantly uses wrists, hands, and/or fingers for tasks.
• Works in a sedentary environment with potential exposure to noise.