CCL Renewal Underwriter

Position Title: CCL Renewal Underwriter

Location: On site at locations in Nashville, TN, Memphis, TN, New Orleans, LA, Birmingham, AL

Summary: The Centralized Commercial Lending – Renewal Team is searching for a Commercial Underwriter II responsible for evaluating business loan applications based on established bank policies and procedures. Candidates will evaluate the merits of an existing loan request in the $1MM-$3MM range of total exposure, and either recommend a decision to a senior credit officer or use their own authority to decide the application.

• Review cash flows and Moody’s spreads either self-prepared or prepared by the Credit Analyst, conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the bank’s policy and procedures. Prepare Credit Origination Memorandum in a clearly written concise manner, identifying strengths, risks and mitigating factors. Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests.
  
  Collaborate with Relationship Managers, leaders and Relationship Managers to gather all necessary information to present an accurate and complete assessment of the loan presented.
• Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks. Ability to spread and interpret financial statements, tax returns, and projections using Excel.
• Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction.
• Ability to work in a high-volume environment, meeting or exceeding service level agreements and turnaround goals throughout the process, providing credit decisions in a timely manner.
• Work independently on special projects related to credit topics and issues as requested by bank credit team(s).
• Support the bank’s strong relationship banking culture through on‑going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the bank’s Bank Secrecy Act policy and procedures and “know your customer/enhanced due diligence” guidelines. Bring any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all bank policies and procedures to ensure compliance with all laws and regulations.
• May perform other duties as assigned.

• Bachelor’s degree required for consideration or equivalent combination of education and experience
• Three (3) to five (5) years of commercial credit underwriting experience

• Fundamental understanding of commercial credit underwriting.
• Ability to interact with all levels of clients, staff and management.
• Ability to work successfully in a deadline driven team environment.
• Strong MS Office skills, especially with Excel.
• Must be organized and detail oriented with the ability to multitask.
• Must be able to work independently and make sound decisions.
• Good written and oral communication skills.
• Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products.
• Knowledge of Moody’s Credit Lens preferred.
• Knowledge of nCino preferred.

• Medical with wellness incentives, dental and vision.
• HSA with company match.
• Maternity and parental leave.
• Tuition reimbursement.
• Mentor program.
• 401(k) with 6% match.
• More –