Job Description


Actively seeking an experienced Commercial Loan Underwriter to:
  • 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. Includes 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
  • 5+ years of C&I and CRE loan underwriting experience

  • Bachelors 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 Effective math skills, including ratios, percentages, interest and amortization

  • Good judgment and problem solving skills

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