Accurately spread and analyze financial statements of prospective and existing commercial borrowers. Research industries and current market conditions of commercial borrowers as they relate to Bank's potential risk. Effectively underwrite loan applications, including a complete financial and industry analysis, in a timely manner. Maintain satisfactory customer service levels with all commercial lenders in the department and all other departments within the bank. Maintain current client relationships by being responsible to their changing business needs and by renewing and/or amending existing credit commitments in a timely manner.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
This position is responsible for analyzing current and prospective individual and commercial borrowers and industry as they relate to current market conditions. The main objective of this position is to support and expedite the underwriting function for the commercial lending unit of the bank. This position is also responsible for evaluating cash flow and collateral to service Bank's lending position and accurately determine the borrower's ability to incur and repay debt. Understand the Bank's Credit Policy and procedures for underwriting credit.
Benefits include competitive salary, bonus plan, medical, dental, group life & long term care insurance, vision care reimbursement, 401(k), and tuition reimbursement program, and a health club allowance. EOE