Underwriter II

Essential Functions

• Actively collaborate with applicable teammates to finalize credit recommendations.
• Deliver on organization metrics and KPIs to ensure timely and quality underwriting results.
• Analyze financial information for new loan requests, renewals and modifications up to established exposure limits.
• Accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, and stress testing with minimal supervision.
• Makes recommendations regarding risk rating of commercial and agricultural accounts and assesses collateral quality and values.
• Independently prepare loan narratives on larger and more complex transactions which provide an adequate summary of the financial analysis, addressing the applicable character, capacity, collateral, capital and conditions of the credit, highlighting credit strengths and weaknesses that supports the credit recommendation.
• Attend the Bank’s Loan Committee when appropriate.
• Maintain a strong working knowledge of Bank policies and pertinent lending regulations.
• Independently take credit action within their designated lending authority.
• Maintain and grow knowledge of industry trends and risks within the marketplace which may have a direct or indirect impact on the Commercial and Agricultural Lending portfolio.
• Assist in monitoring accounts for compliance to loan covenants and other on-going conditions of the loan approval. Verify assets and debts when necessary by using technology and resources available. Assist in monitoring of borrowing bases as applicable.
• Perform other duties/projects as assigned.

  Required Education and Experience

  • 4-6 years of relevant experience required.
  • Bachelor’s degree in Accounting, Finance or business related field from an accredited college or university required.
  • Experience across multiple lines of business, particularly commercial and/or agricultural lending is preferred.
  • Thorough knowledge of accounting, financial analysis methods and techniques, and spreadsheet applications.
  • Thorough knowledge of credit concepts and principles, loan documentation, bank services and operations.
  • Strong ability to analyze credits and possess detailed knowledge of lending structure and cash flow analysis.
  • Strong organizational and analytical skills.
  • Strong presentation skills.

  Competencies

  • ENB Operational and Functional Competencies.

  Work Environment

  • This job operates in a professional work environment.
  • This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines.
  • The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

  Physical Demands

  • While performing the duties of this job, the employee is regularly required to talk or hear.
  • Specific vision required by the job includes close vision, distance vision, and ability to focus.
  • While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch.
  • The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.

  Position Type and Expected Hours of Work

  • This is a full-time position.
  • Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m.
  • Flexibility of schedule to meet business needs is required.

  Salary

  • $80,000.00 - $115,200.00 Pay Transparency

  Benefits

  • Medical plans with prescription drug coverage;
  • Health savings account and/or flexible spending account;
  • Dependent care flexible spending account;
  • Dental and vision insurance;
  • Life insurance;
  • 401(k) program with employer match and Employee Stock Purchase Plan;
  • Paid time off programs including holiday pay, jury duty, and bereavement;
  • Disability insurance coverage and maternity and parental leave;
  • Education assistance and a robust wellness program with financial incentives.

  Travel

  • This position may require travel.

  EEO Statement

  • Ephrata National Bank is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic.