Credit Underwriter

The Credit Underwriter will be responsible for analyzing and underwriting consumer and small business loan request to ensure sound credit decisions, and compliance with United Bank's lending policies and regulatory requirements. This role supports the bank's consumer and small business lending strategy by assessing credit worthiness, mitigating risk, and maintaining portfolio quality while delivering accurate and timely service to internal consumer lending team.

Will provide underwriting expertise as needed as backup for the Director, Consumer Credit, 1-4 Family In-House loan underwriting, and SBA Underwriting.

• Evaluate consumer loan applications to determine creditworthiness.
• Analyze applicants' financial information, such as personal financial statements, tax returns, credit reports, income statements, employment records, and other financial data.
• Evaluate small business loan requests to determine creditworthiness.
• Provide approval and guidance to retail network by structuring, underwriting, and decisioning small business loan requests.
• Analyze business and guarantor financial information, such as tax returns, financial statements, credit reports, etc.
• Review and verify the accuracy of loan documentation.
• Assess risk factors associated with the credit applied for identifies strengths, weaknesses, risks, and renders a decision.
• Ensure all loan approvals and adverse actions comply with regulatory standards and internal policies.
• Collaborate with loan officers to gather necessary documentation and clarify any uncertainties.
• Maintain detailed records of loan applications and underwriting decisions.
• Stay updated on industry trends and changes in loan underwriting regulations.
• Provide recommendations for improving loan approval processes and risk management.
• Communicate underwriting decisions to loan officers and other stakeholders timely, in a clear and professional manner.
• Any other duties as assigned by Management.

• 5+ years' experience in consumer & small business lending, consumer and small business loan underwriting, credit analysis, or similar role in the financial industry.
• Strong analytical skills and attention to detail
• Demonstrated ability analyzing consumer and small business financial statements, tax returns, cash flow, debt service coverage, and interpretation of credit reports
• Strong knowledge of current consumer and small business loan underwriting regulations, credit and lending policies, and industry standards
• Proven ability to make sound decisions based on thorough analysis of financial data; resulting in a proven record of low credit delinquencies and risk mitigation
• Ability to meet deadlines and manage multiple files simultaneously
• Proficiency in Microsoft Office Suite, particularly Excel.
• Strong operational use of other financial software, loan origination and underwriting systems
• Ability to work independently and as part of a team
• NMLS registration
• High school diploma or equivalent

• Bachelor's degree in finance, accounting, business, or a related field.
• 7+ years' progressive experience in consumer and small business lending, loan underwriting, or similar role in the financial industry.
• Advanced abilities in financial and credit analysis, global debt service coverage, loan structure, risk ratings.
• Professional certification in consumer lending, credit analysis, credit underwriting, credit risk management, or similar professional certification.

• Excellent communication skills.
• Ability to manage time and competing priorities in a fast-paced environment.
• Strong interpersonal skills with…