Commercial Loan Underwriter

• Perform financial, cashflow, and credit risk analysis of commercial loan requests
• Ability to create interpret and understand tax returns, financial statements, personal financial statements, accounts receivable aging schedules, rent rolls, etc.
• Ability to create Excel spreadsheets from the documents listed above.
• Interpret and understand appraisal reports, environmental reports, credit bureau reports, ACRIS, LexisNexis,4506-C, etc.
• Write thorough and concise loan memoranda supporting recommended lending requests.
• Familiarity and adherence to the Bank’s Lending Policy.
• Order investigative reports to assist with loan underwriting.
• Maintain shared system document portfolio in accordance with Bank standards.
• Identify potential credit problems and make recommendations to senior management.
• Interact professionally with team members, and other departments within the Bank such as retail branches, loan officers, Loan Administration/Operations, etc.
• Assist with other department tasks as needed.

Required Knowledge, Skills and Abilities:

• Prior commercial loan underwriting experience at a commercial bank
• Experience and familiarity with commercial loan underwriting; CRE and C&I
• Ability to understand tax returns, financial statements, and other pertinent financial documents
• Ability to write thorough, yet concise, loan request memoranda
• Excellent attention to details, and ability to adhere to established Bank lending policies
• Ability to communicate professionally and concisely with Bank attorneys and brokers.
• Fluent with Excel, Word, and Outlook applications