This role will underwrites all types of Small Business Loans and is responsible for recommending the disposition for all loans over their lending authority. The position will require sound decisions related to the appropriate loan structuring and underwriting criteria as defined by Bank Loan Policy. Position interacts with all departments of the Bank. This position requires the ability to make prudent credit decisions relative to the preservation of any and all credit enhancements available to minimize commercial loss exposure to the Bank . The impact relative to these decisions made within this authority have a direct relationship to the the institutions overall credit quality and profitability.

Major responsibilities consist of the following: 

Responsible for reviewing all loan applications loaded into B2B, Bank to Business loan underwriting system, to perform as presented in loan package.  This entails loan structuring to include all available credit enhancements such as SBA.  Knowledge of SBA SOP and underwiritng and documentation requirements are required.  Responsible for updating the B2B system with all the necessary information on each credit to properly maintain the database and create reports and approval documents.  Responsible for drafting Terms and Conditions memo and Commitment letters.  Responsible for the maintenance of all information on each application in an organized manner, while the loan is being underwritten. Responsible for monitoring the departments past due loans by working with the collection area.  This includes recommending workout strategies, redocumentation, working with attorneys and follow-up on charged-off loans for recoveries. 

Qualifications: 

Education and Experience: Minimum of BA/ BS Degree in Business, Accounting, Finance with related credit skills. MBA Preferred.  At least three-five years of underwriting or comparable experience  Skills/Knowledge: Strong knowledge/experience in loan underwriting  Must Posess knowledge of SBA SOP 50-10 Knowledge of the loan operations requirements and procedures  Knowledge of Metavante Strong interpersonal skills Knowledge of Word and Excel