SENIOR COMMERCIAL LOAN UNDERWRITER

Position Summary

At Coastal States Bank (CSB), we are Local. And Proud Of It. We are committed to the relationships we build, have a proven track record of success and share a passion for serving our clients and communities. We are looking for an experienced full-time Senior Commercial Loan Underwriter to underwrite the bank’s larger more complicated C&I credits in some of the bank’s highest relationship exposures.

About the Role

This position works Mondays through Fridays in a professional setting. First preference is to find a candidate within our Atlanta, GA area. Other locations within our organization are available to include the Lowcountry (Charleston, Hilton Head or Savannah). Although remote work may be possible, regular in-person interaction and travel will be required.

Essential Functions

• To assess and determine the financial condition, repayment capacity and character of borrowers and guarantors through the review and analysis of financial information including: accountant or internally prepared financial statements, tax returns, personal financial statements, liquidity statements and business and personal credit reports in conformance with the bank’s loan policies and underwriting guidelines.
• To develop and implement procedures.
• To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, accounts receivable agings, purchase invoices and other collateral information based on the bank’s loan policies and underwriting guidelines.
• To write credit memos, loan reviews and other reports summarizing information about new or existing borrowers including: the purpose of the loan, the experience/ background of the borrower, the financial condition of borrowers and guarantors, repayment capacity, collateral adequacy and industry/market and using that information along with the bank’s loan policies and banking regulations to evaluate a loan’s conformance to the bank’s lending guidelines and policies and making recommendations to Directors and Bank Management about the extension of credit to borrowers, risk grading of loans and any other pertinent conditions.
• To assist Bank Management in the timely monitoring of credit risk in the bank.

Critical Success Factors

• Self-Motivated
• Responsiveness
• Facilitates teamwork
• High Attention to detail and organizational skills
• Strong ethics
• Strong analytical and problem-solving skills
• Excellent analytical, written and oral communication skills.

Pay

Salary is commensurate with experience.

Schedule

This position works Mondays through Fridays in a professional setting.

Benefits

• 401(k) matching
• Dental insurance
• Dependent care reimbursement
• Disability insurance
• Flexible spending account
• Health savings account
• Life insurance
• Medical insurance
• Paid holidays
• Paid time off
• Paid parental leave
• Prescription drug insurance
• Vision insurance
• Wellness program