Commercial Underwriter, Sr

About The Role

Underwrites new and renewal Agriculture, Commercial and Industrial (C&I) and Commercial Real Estate (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 moderate-to-complex enterprises with revenues generally greater than $5 million.

Collaborates with team members, Commercial Portfolio Managers (CPM’s), Client Solutions Managers ("CSMs") and Commercial Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs.

Analyzes business, industry, financial data and other supporting credit information concerning an applicant’s credit request; identifies key business and financial risks that may impact the repayment prospects by the borrower; derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement.

Prepares timely, concise and accurate credit recommendations, with limited supervision or revision. 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).

Maintains 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.

Responsibilities

• Collaborates with team members, Commercial Portfolio Managers (CPM’s), Client Solutions Managers ("CSMs") and Commercial Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs.
• Analyzes business, industry, financial data and other supporting credit information concerning an applicant’s credit request; identifies key business and financial risks that may impact the repayment prospects by the borrower; derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement.
• Prepares timely, concise and accurate credit recommendations, with limited supervision or revision. 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).
• Maintains 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.

Requirements

• 7-10 years of commercial underwriting/credit analysis experience or relevant lending experience.
• Advanced analytical and problem-solving skills.
• Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience; ability to train and present to small and large audiences or has the interest in learning to train and present.
• Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.
• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
• Possess excellent written, verbal, interpersonal and presentation skills.
• Advanced knowledge of credit policies, procedures, practices and documentation.
• Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.
• Ability to train and present to small and large audiences or has the interest in learning to train and present.

Qualifications

• Advanced analytical and problem-solving skills.
• Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience; ability to train and present to small and large audiences or has the interest in learning to train and present.
• Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.
• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
• Possess excellent written, verbal, interpersonal and presentation skills.
• Advanced knowledge of credit policies, procedures, practices and documentation.
• Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.
• Ability to train and present to small and large audiences or has the interest in learning to train and present.

Skills

• Advanced analytical and problem-solving skills.
• Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
• Advanced knowledge of credit policies, procedures, practices and documentation.
• Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines.
• Ability to train and present to small and large audiences or has the interest in learning to train and present.

Benefits

The pay range for this role is $81,000.00 to $148,000.00. The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

Our Benefits: Comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an 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, and paid vacation, sick days, volunteer days, and holidays.