Description

Provides analytical support for commercial banking including an independent analysis of the creditworthiness of customers and prospects.

ESSENTIAL DUTIES

• Responsible for spreading financial statements, preparing statement analysis and covenant checks in support of the commercial lending function. 
• In addition, the Credit Underwriter II (CUW-II) will be responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process, with minimal supervision by Underwriting Manager (UWM). In so doing, the CUW-II will develop a thorough understanding of various types of lending facilities as well as a variety of companies and industries. 
• UWM to provide production goals based upon needed level of supervision and complexity of deal flow. 

ROLES AND RESPONSIBILITIES

Commercial Loan Origination Processes 

• Spread financial statements as provided by Commercial Relationship Manager (CRM). 
• Maintain responsibility for completion of the Commercial Credit Application once engaged by CRM, and after receipt of Opportunity Memo explaining the request. 
• Maintain responsibility for completion of the Commercial Credit Memo (approved template to be used) once engaged by CRM, and after receipt of Opportunity Memo explaining the request. 
• Work directly with the RM to ensure accurate reflection of financials. 
• Ensure accurate reflection of lending matrix authority and proper loan coding 
• Ensure recognition of Policy Exceptions. 
• Participate in deal team meetings between Relationship Manager, Market President and Senior Credit Officer as required. 
• Provide editing to document as dictated by acceptance of term sheet and results of deal team meetings. 
• Participate in credit decision with Market President, Senior Credit Officer, Executive Credit Officer, etc. 
• Finalize credit package with conditions precedent as needed to ensure Loan Closing has a complete approval package. Commercial Underwriters are to adhere to Service Level Agreements as outlined in Workflow Procedures. 
• Other related duties as assigned. 

Portfolio Management

• Prepare and/or review (if prepared by centralized spreading team) spreads for commercial relationships upon receipt based upon requirements of Loan Agreement. 
• Prepare financial analysis of spreads. 
• Prepare covenant checks as required by Loan Agreement. 
• Follow procedures to ensure that the system of record is documented with their viewed items and forwarded for signature to CRM. 
• Identify portfolio weaknesses and trends and alert CRM and UW Manager to deteriorating portfolio conditions. 
• Other related duties as assigned. 

Requirements

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

• Bachelor's degree from four-year college or university
• 5 years related experience preferred or equivalent combination of education and experience

Language and Interpersonal Skills

• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations
• Ability to write reports, business correspondence, and procedure manuals 
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public
• Effective interpersonal relationships with management and team members 
• A thorough understanding and application of all policies, procedures and regulations pertaining to the work of Credit Administration 
• Ability to effectively manage time as related to daily tasks 
• Ability to prioritize multiple demands in a high-pressure environment while maintaining professional demeanor
• Ability to operate in a team environment to accomplish shared goals

Mathematical Skills

• Ability to work with mathematical concepts such as probability and statistical inference
• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations

Reasoning Ability

• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists 
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form

Computer and Office Equipment Skills

• Spreadsheet software (Microsoft Excel)
• Word processing software (Microsoft Word)
• Other Microsoft Office applications (Outlook, Teams, One Note, PowerPoint)
• Copier/Scanner
• Hewlett Packard 12 C calculator (or equivalent)
• Financial statement spreading software

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

• Sit or stand for extended periods
• See to read small print or complex reports
• Manually operate keyboard, mouse and other personal computing devices
• Occasionally lift up to 20 pounds

CERTIFICATES, LICENSES, REGISTRATIONS

• None.

Company Conformance

In the performance of respective tasks and duties, all One Florida employees are expected to successfully perform quality work within deadlines, with or without supervision, interact professionally with other employees, customer and suppliers; work effectively as a team contributor on all assignments and work independently while understanding the necessity for communication and coordinating work efforts with other employees and organizations. 

Bank Secrecy Act/Compliance

In the performance of respective tasks and duties, all One Florida employees are expected to maintain knowledge of Bank Secrecy Act (BSA) regulations and all other regulatory, security, and bank policies and ensure compliance, as applicable to their job function. Compliance training shall be provided by One Florida and employees are expected to complete the assigned training in a timely manner. 

Physical / Work Conditions

In the performance of respective tasks and duties, all One Florida employees are expected to successfully perform the essential functions of the position. While performing duties, employees are required to sit, talk, hear, lift up to 20 pounds, and may be required to work evenings and/or weekends, attend remote meetings and/or to travel. Reasonable employee accommodations will be considered on a case-by-case basis.