Business Lending Services Underwriter II

Summary

Performs underwriting duties for commercial loan relationships of $3 million or less in compliance with organizational policies/procedures and state and federal lending laws/regulations by performing the following duties.

• Evaluates loan applications up to and including loan relationships of $3 million or less for business purposes.
• Analyzes income and debt levels to determine Debt Service Coverage (DSC) ratios which are critical when determining repayment ability.
• Spreads and analyzes financial statements and tax returns for potential and existing customers and guarantors.
• Prepares company cash flows, global cash flows, financial analysis, and collateral valuations for loan requests.
• Reviews and Interprets spreads and financial info using trend analysis, ratio analysis, and other financial analysis tools for use in evaluation larger and more complex credits.
• Decisions loan applications for either approval as submitted, conditional approval or denial.
• Evaluates an individual's credit score (or business credit score) and historical payment records.
• Assesses the risks associated with the pricing of the credit (interest rate risk), the current economic climate (market risk) and the industry or the occupation (industry risk) of the applicant.
• Provides written comments to support loan decisions with each loan application that will become a permanent part of the file.
• Builds and maintains strong relationships with lenders, loan assistants, and loan support staff.
• Provide guidance to lenders on loan policy requirements, structure, collateral, loan covenants, and monitoring requirements for new or existing business loan requests in order to maximize profitability and minimize risk and policy exceptions.
• Generally focuses on the underwriting of larger and more complex credits that require a more thorough and detailed analysis.
• Attends risk department/division meetings as required to maintain a current working knowledge of substandard and other higher risk relationships.

This job has no supervisory responsibilities.

• Analytical and Design – Synthesizes complex or diverse information;
  Collects and researches data;
  Demonstrates attention to detail.
• Problem Solving – Identifies and resolves problems in a timely manner;
  Gathers and analyzes information skillfully.
• Project Management – Coordinates projects;
  Communicates changes and progress;
  Completes projects on time and budget.
• Interpersonal Skills/Customer Service – Focuses on solving conflict, not blaming;
  Maintains confidentiality;
  Remains open to others' ideas and tries new things;
  Manages difficult or emotional customer situations;
  Responds promptly to customer needs;
  Solicits customer feedback to improve service;
  Responds to requests for service and assistance;
  Meets commitments.
• Oral and Written Communication – Listens and gets clarification;
  Responds well to questions;
  Writes clearly and informatively;
  Edits work for spelling and grammar;
  Varies writing style to meet needs;
  Presents numerical data effectively;
  Able to read and interpret written information.
• Teamwork – Balances team and individual responsibilities;
  Contributes to building a positive team spirit;
  Puts success of team above own interests;
  Supports everyone's efforts to succeed.
• Business Acumen – Understands business implications of decisions.
• Organizational Support – Follows policies and procedures;
  Completes administrative tasks correctly and on time;
  Supports organization's goals and values.
• Judgment – Displays willingness to make decisions;
  Exhibits sound and accurate judgment;
  Includes appropriate people in decision-making process;
  Makes timely decisions.
• Planning/Organizing – Prioritizes and plans work activities;
  Uses time efficiently.
• Professionalism – Approaches others in a tactful manner;
  Reacts well under pressure;
  Treats others with respect and consideration regardless of their status or position.
• Quality and Quantity – Demonstrates accuracy and thoroughness;
  Completes work in timely manner;
  Meets quarterly production goals.
• Adaptability – Adapts to changes in the work environment;
  Manages competing demands;
  Change…