Commercial Credit Underwriter I

Analyze, underwrite, and potentially make final decisions on commercial loan applications.,Ensure compliance with underwriting guidelines, quality and production standards, Federal Banking Regulations, and Government Reporting requirements.,Perform basic financial analysis for less complex loans, industries, and customers.,Conduct credit investigations and analyze financial information related to Commercial Credit exposure.,Underwrite loans and perform historical business financial analysis and cash flow analysis, including communication with borrower's accountant.,Perform in-depth analysis of guarantor's financial position, including personal financial statements, contingent liabilities, global cash flow analysis, personal tax returns, and credit reporting documentation.,Investigate available sources of credit and financial information.,Research economic and market conditions relevant to the company, industry, and market area.,Identify and address deviations from loan policy, procedures, and guidelines, and mitigate key credit risks, structuring appropriately to reduce risk.,Identify credit applications requiring enhancements and make corresponding decisions.,Render final credit decisions within individual lending authority, based on a comprehensive review of strengths, risks, collateral analysis, financials, cash flow, balance sheet analysis, ratios, trends, credit reports, management profiles, industry information, and projected performance.,Discuss alternative structures and overall assessments with market, sales personnel, and customers when applicable.,Set conditions of lending and work with the post-approval team to ensure conditions are met or mitigated before loan closing.,Meet turnaround requirements in a high-volume loan production environment while maintaining high quality work.,Maintain a satisfactory level of portfolio delinquencies and charge-offs.

Undergraduate degree and/or 3+ years of relevant experience or basic knowledge of credit and financial analysis techniques.,Strong analytical and research skills.,Demonstrated problem-solving skills and ability to blend technical knowledge with good business judgment.,Strong communication skills, both verbal and written.,Proven organizational, multi-tasking, analytical, decision-making skills, and ability to meet deadlines.,Good interpersonal skills and a team orientation.,Ability to work with various levels of sales and market personnel.,Developed PC skills including proficiency in word processing and spreadsheet software.,Computer literacy with a variety of software programs.

Undergraduate Degree or equivalent experience

Occasional Domestic Travel