Commercial Loan Underwriter

Actively seeking an experienced Commercial Loan Underwriter.

Responsibilities:

• Evaluate commercial credit requests.
• Prepare and recommend credit authorizations.
• Analyze and interpret profitability, cash flow, credit reports and financial ratios to determine if they meet guidelines.
• Evaluate and verify collateral.
• Analyze borrower’s competitive and economic sensitivities, general business conditions and management.
• Determine borrower credit worthiness/risk factors, and recommend risk mitigation measures.
• Prepare credit authorization memorandum (CAM) and recommend credit approval, including financial review report and opinion of credit risk.
• Prepare problem loan report and comment on current financial status of borrower.
• Assist account officers with management of loan portfolios.

Job Requirements:

• 3+ years of C&I and CRE loan underwriting experience.
• Bachelor’s degree in business, accounting or equivalent training and experience (preferred).
• Knowledge of commercial credit products, concepts, processes, and functions.
• Knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover.
• Ability to analyze and interpret financial statements, business reports and legal documents.
• Knowledge of applicable federal/state banking regulations and effective math skills, including ratios, percentages, interest and amortization.
• Good judgment and problem solving skills.

For further consideration towards this and/or other opportunities please inquire confidentially to  or call . All inquiries held in strict confidence. Thank you for your interest.