Description

We have been voted one of the best companies to work for 3 years in a row, because we have developed a fun and inclusive culture that is at the forefront of how we operate. We only hire the best and most passionate talent and are proud to promote employees from within.

One Florida Bank was founded on the belief that when we work together, our goals are One. As a Florida-based bank, we are firmly rooted in our local communities, because building relationships one-on-one is the way business gets done. We are committed to knowing you personally, understanding your needs and goals, and providing the products and services that will support you along the way.

The Commercial Underwriter II 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.
• Prepares comprehensive credit analyses on commercial loans that facilitates the credit approval process, with supervision of Underwriting Manager / Assistant Underwriting Manager.
• 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 Loan Approval Request (LAR) once engaged by CRM, and after receipt of Officer Memo explaining the request.
• Maintain responsibility for completion of the LAR once engaged by CRM, and after receipt of Officer Memo explaining the request.
• Ensure accurate reflection of lending matrix authority and proper loan coding.
• Ensure recognition of policy exceptions.
• Participate in Deal Team meetings and Officers Loan Committee, as needed.
• Provide editing to document as dictated by acceptance of Term Sheet and results of Deal Team meetings.
• Participate in credit decision with CRM and approving bodies. 
• Finalize LAR with conditions precedent as needed to ensure loan closing has a complete approval package.
• Adhere to Service Level Agreements as outlined in Workflow Procedures.
• Other related duties as assigned.
• Ensure compliance with all procedures / regulations as provided by the Compliance department.

Portfolio Management

• Prepare and/or review spreads for commercial relationships upon receipt based upon requirements of loan agreement.
• Prepare financial analysis of spreads. 
• Follow procedures to ensure that the system of record includes the subject monitoring document with the reviewed items and forwarded for signature to CRM.
• Identify portfolio weaknesses and trends and alert SCOs and UW Manager to deteriorating portfolio conditions.
• Complete covenant checks per Bank policy.
• Complete annual reviews per Bank policy.
• 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
• 3-5 years related experience and/or training required

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

One Florida Bank was founded on the belief that when we work together, our goals are One. As a Florida-based bank, we are firmly rooted in our local communities, because building relationships one-on-one is the way business gets done. We are committed to knowing you personally, understanding your needs and goals, and providing the products and services that will support you along the way.

One Florida Bank supports a diverse workforce and is proud to have an engaged and inclusive culture that promotes equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. One Florida Bank conducts pre-employment background screening, credit checks and drug testing.

Should you have a disability and need assistance with the application process, please request a reasonable accommodation by contacting the HR Department. 

What about the benefits?

We recognize all Federal holidays every year and we offer highly competitive benefits such as:

• 100 % employer paid Medical, Vision, Dental, STD, LTD and group life insurance for the employee
• 401(k) Safe Harbor Match 
• Paid vacation and sick time plus 1 floating holiday
• Paid volunteer hours
• Wellness Program
• Shared leave program
• Tuition Assistance Program
• Pet Insurance
• Team Building activities