Commercial Underwriter II

Requirements

• Analyzes commercial loan applications received by Relationship Managers to determine eligibility of request.
• Confers with Relationship Managers to determine client needs and discuss options for borrowers.
• Approves or declines commercial loan requests within assigned limits.
• Coordinates the credit approval process, evaluates repayment, and mitigates risk.
• Analyzes key factors such as industry, management, and economic trends.
• Provides assistance and exceptional sales support to all sales staff in answering questions relating to commercial loans.
• Assures the customer loan request is processed accurately and timely.
• Monitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate.
• Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues.
• Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending.
• Inputs application and financial information.
• Performs Commercial Credit Officer duties in their absence as needed.
• Orders the preparation of loan documentation and reviews for completion.
• May be asked to provide formal or informal training and support to various colleagues within the bank and across multiple job functions with regard to credit fundamentals, policy, and underwriting techniques and guidelines.
• Assists Commercial Loan Supervisor in the development and completion of special projects, spreadsheets, graphs, and reports as assigned.

Benefits

• Generous Paid Time Off
• 401k Matching
• Retirement Plan
• Four Day Work Week
• Generous Parental Leave
• Tuition Reimbursement
• Relocation Assistance