Senior Commercial Loan Underwriter

Job Details

Job Location:

Lakeland, FL 33801

Position Type:
Full Time

Why have a job when you can build a career? We are proud to be defined by the excellent service and convenience offered to our members, as well as our diverse workforce and company culture. There are many reasons to work for MID FLORIDA, which is probably why we were voted one of Florida Trend's "Best Places to Work." MID FLORIDA offers a positive team culture, an open-door management style, a commitment to diversity, stability, competitive benefits, and a career path with a growing, successful company!

Join us on our mission to improve the financial well-being of our members!

• Underwrite commercial and real estate investment property loans and lines
• Structure commercial and real estate investment loan transactions; prepare loan memoranda and credit packages
• Research and examine credit and collateral risks; assess information to determine creditworthiness of existing and potential borrowers
• Prepare financial spreadsheets, reports, and summaries
• Manage a commercial and real estate investment loan portfolio to include conducting reviews of existing relationships, assessing changes in risk, preparing covenant recommendations to minimize risk, completing renewals of maturing loans
• Exercise sound judgment and discretion while remaining compliant with well-defined limits and guidelines.
• Deliver problem solving solutions and perform research as needed.
• Provide technical solutions in support of MID FLORIDA's electronic services.
• Accountable for meeting productivity, quality, and sales goals.
• Professional and efficient communications with all departments promoting synergy.
• Exhibit a high degree of integrity, trustworthiness, and professionalism always.
• Exude a positive and professional attitude with members and partners consistently.
• Perform other duties as assigned.

• 3 to 5 years of commercial and real estate investment credit underwriting experience in a bank environment
• Understanding of balance sheets, income, and cash flow statements
• Understanding of commercial and real estate investment property lending policies, procedures, laws, and regulations
• A Bachelor's degree in a business-related field is preferred; however, we may consider a combination of education and experience for an otherwise well qualified candidate

• Stability
• Opportunity for growth
• Paid time off and paid holidays
• Tuition assistance after 6 months of service
• 401K Plan with employer matching
• Health, Dental, and Vision Insurance - Generous and affordable plans for employee and family
• Employee Assistance Program
  - No waiting period to access benefit
• Salary and Bonuses - Bonus programs and annual appraisals with salary increase opportunities

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment.

Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.