Credit Underwriter II

Location 1818 Florence Pike,PO Box 357,Burlington, KY, 41005,United States Employee Type Full Time Description Obtains loan request information from commercial lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan. Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender. Requests and obtains financial statements on existing borrowers. Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions. Prepares or assists in the preparation of loan memorandum for presentation to lenders and/or loan committees. Reviews loan files to ensure the completeness of the file and that all collateral has been secured properly. Assists lenders with calls on past-due loans as assigned by senior management with the bank’s loan portfolio. Updates collateral values, as needed on delinquent loans. Follows all applicable laws and regulations. Conducts daily operation in accordance with the laws, regulation, policies, procedure, and expectations of the Bank. Compliance will be recognized as part of the period performance review; noncompliance may result in disciplinary action, up to and including termination of employment. Requirements Requires 5+ years’ experience in commercial loan credit underwriting, financial analysis, and credit approval experience. Requires credit approval experience in comparable commercial lending environment requiring the exercise of credit judgement. Ability to formulate and articulate objective views based on professional credit analysis. Advanced knowledge of credit philosophy and policies, loan documentation, bankruptcy and related legal issues. Minimum of bachelor’s degree or equivalent experience, graduate degree in business preferred. Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work. Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills. Excellent knowledge of personal/business financial statements and tax returns. Demonstrated computer aptitude with a working knowledge of Microsoft office applications. Summary 401 (K) Retirement Plan with Company Match Company paid Life Insurance for full-time employees. Paid Bank Holidays Sick & Personal Time Accrued Vacation time begin day one. #J-18808-Ljbffr Rhode Island Commerce