Salary Range:

$98,200.00 - $161,900.00

(Depending on knowledge, skills, abilities and location.  Certain level jobs may be eligible for bonus, commission, and/or equity awards.)

Posting Date:

December 17, 2024

This job will be open and accepting applications for a minimum of three days from the date it was posted.

Benefits* worth writing home about:

Medical, dental, and vision coverage for employees and their familiesLife, disability and family Leave401(k) and Roth 401(k) with employer matchWellness program, employee assistance program, “Commute Trip Reduction” (CTR) and various employee discounts Generous vacation, sick leave, 11 paid holidays, and 16 hours of paid leave every year for community service workFree employee checking account and employee home loan discounts

*For eligible employees averaging 20 or more hours per week.

EO/AA Employer including Vets and Disabled.

Qualified applicants with arrest and conviction records will be considered in accordance with legal requirements.

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Job Description Summary:

Responsible for underwriting and analyzing new and renewed lines of credit and loans of various types and complexities in accordance with Bank and Department policies and procedures. Credit requests may include syndicated and participated loans, real estate, Small Business Administration loans, nonprofit and tax exempt facilities. Active involvement in concept memo review process to assess early viability of requests. Assist in oversight of portfolio credit quality including risk assessment and overall portfolio maintenance.

Job Details:

PRIMARY FUNCTIONS:

Primary responsibility for underwriting and managing the team’s most complex credits and increase requestsAssist with coordination and completion of renewals for team’s creditsProvide feedback for concept memo meetings as appropriateWrite up preflights in coordination with Relationship Managers Draft prospect/borrower information requests with Relationship ManagersAssist with ordering 3rd party reports, as necessary (third party reports to include credit reports, background searches and flood determinations, preliminary title, environmental, appraisals, collateral exams, UCC searches and flood termination/notification)Review third party reports, as necessaryDraft new and renewal credit requests, in coordination with Relationship Manager or Portfolio ManagerAssists Portfolio Manager Underwriter with deal structures, as necessaryDraft CRE addendumReview agreements including purchase and sale agreements, lease agreements, etc.Shephard credit quest underwriting through various levels of recommendation and approvalMay review loan documents prior to signing, as neededMay assist in obtaining insurance information, as neededPrimary role in closing signing meetings (internal and external)May assist in coordinating booking documents, as necessaryCoordinates collection of financials and required tickler items from borrowersPerforms and/or assigns site visits for completionCoordinate covenant testing and tickler follow upMay perform covenant tests on the most complex credits, as necessaryReview and/or draft waivers or forbearance requests and letters prior to issuanceDraft watch list credit comments for presentationDraft Problem Loan Reports and handles adverse rated credits remaining on lineAssists with post-closing work (tickler setup, merging credit quest records), as necessary.

QUALIFICATIONS:

Bachelor’s Degree in Business related field or equivalent education preferredAbility to read and interpret a variety of financial statements requiredAbility to spread financial statements using Credit QuestMinimum of 7 years’ experience in commercial credit underwriting or related experienceStrong written and oral communication skills, attention to detail, spelling, grammatical and proofreading abilitiesProficiency with Microsoft office products (Excel, Word, Outlook)Must possess a positive attitude, good judgment, and the ability to accept responsibility and handle confidential informationAbility to meet deadlines and work under pressureWillingness to assume additional responsibilities/duties/projects as they arise

MENTAL AND PHYSICAL CONSIDERATIONS:

Willing and able to travel occasionally as needed.Able to operate a Personal Computer and view information on a monitor for extended periods.Must be able to sit for many hours each day.Must be able to communicate via telephone and possess dexterity to include filing document, reaching and bending.Ability to lift or carry up to 20 poundsAbility to speak English and express ideas and have difficult conversation in person and over the telephoneAbility to listen and comprehend speech.Ability to problem solve, make decisions, interpret data and information, read, write and organize information in an orderly manner.

WORK ENVIRONMENT:

Normal business office environment.Ability to sit in artificial light for extended periods of time

This Position Description may not be limited to the Functions and Requirements as outlined, now or in the future. For example, changes in corporate needs, position demands, or individual performance may result in changes to the Functions or Requirements of this position.

Area:

Underwriting (Sales)