Senior Commercial Underwriter (Full Time) - SB Greenway

About the role

Performs quantitative and qualitative credit analysis and underwriting for commercial loan requests. Works closely with commercial lending officers to understand and measure the risks associated with both new and existing client relationships and to create loan structures to mitigate these risks.

Responsibilities

• Analyzes client-specific financial statements, spreads, and ratios as well as broader industry and economic risks that could jeopardize loan repayment.
• Works with borrowers and loan officers to review credit issues and obtain additional information, including outside calls as required.
• Structures loans within policy and to effectively mitigate risk.
• Prepares credit memorandums that summarize lending opportunities, the associated risks, and the proposed loan structure.
• Identifies high-risk credit situations and takes appropriate action to ensure that the Bank is well protected.
• Conducts or assists with presentations to loan approval authorities, including loan committee.
• Assists other analysts as needed.
• Other duties as assigned.

Qualifications

College degree in business or equivalent and 3+ years of related banking experience; or equivalent combination of education and experience. Completion of a formal credit training program is desired.

Skills

• Ability to read, analyze, and interpret financial statements, industry data, and customer profiles.
• Ability to produce both oral and written presentations.
• Ability to apply concepts such as trends, percentages, ratios, and proportions to practical situations.
• Ability to create and interpret projections based on extrapolation of financial data.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Excellent planning and organizational skills, including the ability to work independently.
• Strong written and verbal communications skills.
• Ability to maintain confidentiality and instill trust within the organization.
• Ability to multitask is essential.

Working Conditions

Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. No hazardous or significantly unpleasant conditions.

Monday - Friday: 8:00AM - 5:00PM