Commercial Underwriter

About The Role

Analyzes and evaluates customer credit information for new and renewal C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from simple to moderately complex enterprises.

Collaborate with other team members (Commercial Portfolio Managers, Client Solutions Managers ("CSMs") and Commercial Relationship Managers) to prepare timely, high quality and concise credit recommendations needed to obtain credit approval and meet customer needs.

Analyze business, industry, financial data and other supporting credit information concerning an applicant’s credit request; presents facts to, and collaborates with, Portfolio Managers, CSMs and Commercial Relationship Managers to identify key business and financial risks allowing Portfolio Managers, CSMs and Commercial Relationship Manager to derive conclusions, structure loans and support the credit recommendation.

Prepare timely, concise and accurate credit recommendations, with normal level of supervision. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s).

Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.

Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

About You

Education: 2-4 years — of commercial credit analysis or underwriting experience or the equivalent. (Required)

• Intermediate Accounting skills and knowledge.
• Proven ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or other comparable spreading tool; includes knowledge about financial statement structure and business entity types.
• Basic experience analyzing and monitoring commercial lines of credit and term loans (both secured and unsecured), as well as income property real estate, non-profit lending or other specialty lending types.
• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
• Possess excellent written, verbal and interpersonal skills, including presentation skills.
• Experience working with bank credit policies, procedures, practices and documentation.
• Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.

Skills

• Intermediate Accounting skills and knowledge.
• Proven ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or other comparable spreading tool; includes knowledge about financial statement structure and business entity types.
• Basic experience analyzing and monitoring commercial lines of credit and term loans (both secured and unsecured), as well as income property real estate, non-profit lending or other specialty lending types.
• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
• Possess excellent written, verbal and interpersonal skills, including presentation skills.
• Experience working with bank credit policies, procedures, practices and documentation.
• Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.

Travel Requirements

Occasional

Pay Range

$75,000 to $100,000

Benefits

• Comprehensive healthcare coverage (medical, dental, and vision plans)
• 401(k)-retirement savings plan with employer match for qualifying associate contributions
• Employee Assistance Program
• Life insurance
• Disability insurance
• Tuition assistance
• Mental health resources
• Identity theft protection
• Legal support
• Auto and home insurance
• Pet insurance
• Access to an online discount marketplace
• Paid vacation, sick days, volunteer days, and holidays