Commercial Underwriter

$76k - $96k

First Bank & Trust Company

About this Role

The Commercial Banking Underwriter serves as a critical control within the bank's credit risk management framework and is responsible for the independent risk assessment of commercial loan requests. This role provides objective evaluation of creditworthiness, preparing comprehensive credit memoranda that identifies risk factors and exceptions to credit policy, and makes recommendations on credit decisions.

In this Role You Will

Prepare objective underwriting analysis for commercial loan requests including new loans, renewals, extensions, and modifications
Exercise independent judgment to assess the creditworthiness of loan requests, including analyses of borrowers, guarantors, and collateral
Identify transaction risks and propose mitigants to ensure alignment with the Bank's risk appetite
Actively participate in the deal team, collaborating with Relationship Managers, Portfolio Managers, and Regional Credit Officers
Provide well-supported recommendations to arrive at credit decisions
Participate in training to increase proficiency as part of professional development
Perform other duties as assigned

Knowledge, Skills and Abilities

Knowledge

Working knowledge of commercial loan structures, underwriting principles, credit policy, credit procedures, and basic financial analysis
Working knowledge of accounting principles, bank products, and applicable regulatory expectations
Familiarity with credit scoring concepts

Skills

Ability to multitask and manage competing priorities effectively
Ability to work independently with appropriate oversight and collaboratively within a team environment
Effective use of efficient work methods to meet productivity expectations
Developing analytical, reasoning, and problem-solving skills
Developing written and verbal communication skills
Strong organizational, time-management, and prioritization skills with the ability to meet deadlines
Ability to identify and mitigate risk with appropriate escalation
Sound judgment in day-to-day work activities

Abilities

Self-motivated with a demonstrated ability to take initiative
Ability to function effectively as a team player
Adaptability in a fast-paced work environment
Accountability for assigned work and outcomes
Resourcefulness in addressing issues and completing tasks
Consistent attention to detail

A reasonable estimate of the current pay range is $76,000 - $96,000 annually

Qualifications

Bachelor's Degree in business, accounting, finance, or a related field required

Qualifications

Bachelor's Degree from a four year college or university required, MBA preferred

Apply

Vacancy posted 4 days ago

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