What are the responsibilities and job description for the Credit Underwriter II position at HERITAGE BANK INC?
· 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.