Commercial Credit Underwriter II

Responsibilities

• Analyze, underwrite and may act as the final decision authority on commercial loan applications
• Ensure compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations
• Conduct basic financial analysis of less complex loans/industries/Customers
• Act as a mentor and participate in the ongoing development of the Underwriting Staff
• Conduct credit investigations and analyze financial information pertaining to relationships with Commercial Credit exposure
• Underwrite loans and perform historical business financial analysis and cash flows
• Investigate available sources of credit and financial information
• Research economic and market conditions relating to the company, industry and market area
• Identify credit applications that require credit enhancements and make decisions accordingly
• Render final credit decisions within individual lending authority limits

• Undergraduate degree preferred
• 4+ years of relevant commercial lending experience
• Proven analytical and research skills
• Strong understanding of credit underwriting and industry practices
• Previous experience with business and personal financial statement analysis
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Strong communication skills, both verbal and written
• Proven organizational, multi-tasking, analytical, time management and decision-making skills
• Ability to meet deadlines
• Strong interpersonal skills and a team orientation
• Ability to work with various levels of business partners
• Developed PC skills including proficiency and capability in word processing and spreadsheet software
• Computer literacy with a variety of software programs
• Small Business Administration/Agency experience preferred