Business Banking Underwriter

Pay Range: $26.85 - $35.82

Within a loan production environment adjudicate new, renewal and modification loan applications within specified service standards. Analyze each applicant's cash flow, overall financial condition, credit history, and other credit criteria. Apply this information, in conjunction with the bank's policy and procedures to make appropriate decisions within individual lending authority. Make recommendations for applications outside of individual lending authority and present for approval.

Accurately and thoroughly communicate loan decisions to internal personnel and, if applicable, conditions of approval. Maintain acceptable credit quality metrics within the underwriter's individual portfolio.

• 3 years prior commercial or business lending experience preferred
• BS in Business Administration, Accounting, or Finance preferred
• MBA desirable
• Understanding of governmental credit supports available to small business loans (SBA) is preferred

• Working knowledge of financial statements, tax returns, and credit reports
• Basic accounting knowledge
• Strong mathematical skills
• Proficient in Windows based computer environment
• Aptitude to quickly develop a working knowledge of the Bank’s policy and procedures, products, accounting systems, and loan origination system
• Self motivated and well organized with strong communication, negotiating, organizational and interpersonal skills
• Ability to work under critical time constraints while maintaining quality
• Ability to interact professionally at many different levels (clients, management, peers, etc.)
• Ability to build and maintain positive professional relationships with internal and external partners.
• Knowledge of all application regulations and guidelines.

• 55% Within individual authority, adjudicate customer credit requests in accordance to bank policy and procedure, as well as all applicable regulations. Make decisions in a timely manner that supports the bank’s ability to deliver superior customer service within agreed upon service level agreements.
• 35% Analyze loan requests above individual lending authority and present to senior underwriters for decision.
• 5% Other duties as assigned.
• 5% Recognize and take advantage of opportunities to obtain additional business.

• Communicate effectively with internal and/or external customers
• Stationary 75% of time or greater
• Move objects to maximum 10 lbs

• Generous Paid Time Off:
  At least 22 days annually, prorated in the year of hire.
• Parental Leave:
  Six weeks of paid leave at 100% of your salary.
• Comprehensive Medical Coverage:
  Includes employer contributions to HSA for High Deductible Health Plan participants.
• Dental and Vision Coverage:
  Ensuring your overall health and well‑being.
• Flexible Spending Accounts:
  For healthcare and dependent care expenses.
• Employer‑Paid Disability Coverage:
  Both short‑term and long‑term, with an option to purchase additional long‑term coverage.
• Life Insurance:
  Employer‑paid basic life insurance, with an option to purchase supplemental coverage.
• Voluntary Benefits:
  Including hospital, accident, and critical illness coverage.
• Retirement Plans:
  Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
• Adoption Assistance:
  Supporting your growing family.
• Tuition Reimbursement:
  Invest in your education and career growth.
• Employee Assistance Program (EAP):
  Access to support and resources.
• Pet Insurance:
  For all your furry friends.
• Financial and Banking Services:
  Various banking services benefits and financial planning assistance.

• Medical Coverage:
  Includes employer contributions to HSA for High Deductible Health Plan participants.
• Dental and Vision Coverage:
  Ensuring your overall health and well‑being.
• Voluntary Benefits:
  Including hospital, accident, and critical illness coverage.
• Generous Parental Leave:
  Six weeks of paid leave at 100% of your salary.

• Retirement Plans:
  Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future.
• Paid Sick and Safe Leave:
  For your health and safety.
• Employee Assistance Program (EAP):
  Access to support and resources.
• Financial and Banking Services:
  Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.