What are the responsibilities and job description for the Commercial/Ag Underwriter position at Lake Ridge Bank?
JOB REQUIREMENTS: Description: Join our dynamic underwriting team, where
you\'ll partner with Business Banking Relationship Managers to assess
credit risk, support client strategies, and drive new business
opportunities. If you thrive in financial analysis and risk assessment,
this role offers the opportunity to manage loan portfolios, conduct due
diligence, and play a key role in credit decision-making. Be part of a
collaborative team that values proactive communication, strong
analytical skills, and a commitment to maintaining high-quality loan
Portfolios While Ensuring Compliance With Banking Regulations. ESSENTIAL
RESPONSIBILITIES: Underwriting and Portfolio Management Partner with
multiple Business Banking Relationship Managers (BRM) to identify credit
risk and quality of the portfolio, discuss client strategy and business
opportunities. Act as a liaison between the Commercial Production staff,
Credit Risk Department and other internal staff members as necessary.
Regular and proactive communication with Business Banking Relationship
Manager to ensure updated finan-cials, covenant compliance, knowledge of
client\'s business and assist in identifying new business cross-sell
oppor-tunities. Proactively manage and facilitate the renewal of all
credits under assigned BRM(s) at least 60 days prior to re-newal.
Interpret and evaluate credit bureau reports, UCC filings and public
record information. Prepare loan credit presentations and participate in
the loan approval process. Prepare commitment letters or review as
needed. Prepare Loan File for documentation team via post approval due
diligence. Work with third party individuals as needed such as
evaluation/appraisal orders and environmental due dili-gence. Regular
meetings with BRM, Administrative Assistants and Loan Production to
discuss priorities and status of renewal and new business pipeline.
Financial and Credit Analysis Provide accurate financial analysis, due
diligence and risk assessment of new and existing borrowers; recom-mend
loan structure and discuss loan policy. Responsible for credit risk and
quality of the loan portfolio. Responsible for identifying trends in
client activities which may be predictive of deteriorating credit
quality. Recommend further action to BRM and Credit Risk officer as
necessary. Work with BRM with collection of financials needed for proper
analysis of new and renewed loan requests. Adhere to all Bank
Security/Compliance Regulations Complete all annual bank security and
compliance training. Adhere to Bank Security/compliance and policy
guidelines for commercial production and/or loan area Maintain
confidentiality of customer information at all times. Stay current on
All Compliance Regulations Other Responsibilities Maintain Neat And
accurate commercial files Perform other duties as assigned or requested
Requirements: Associates degree in Finance, Accounting, Business and/or
similar field of education and/or three (3) years previous work
experience in a lending environment Solid understanding of financial
statements including but not limited to tax returns, profit & loss
statements, in-come statements, balance sheets, and other business
financials Well-developed interpersonal and communication skills (verbal
& written) in order to communicate and relate effectively with customers
and associates Good accounting/math skills with the ability to work
precisely with numbers and financial calculations Strong attention to
detail with the ability to work efficiently & accurately Demonstrated
ability in exercising independent judgment Strong organizational skills,
including the ability to prioritize and remain calm while working in a
fast paced/deadline driven environment Good working knowledge of
Microsoft Office Suite, proficient typing/keyboarding skills and the
ability and will-ingness to learn new programs and software Ability to
maintain confidential customer information Ability to read write,
understand and speak English clearly Ability to represent the
Organization In a Professional, Positive Manner Preferred
Qualifications: Bachelor\'s degree in Accounting or Finance Previous
experience in credit analysis or commercial underwriting within a
financial institution Previous work experience in accounting and / or
working with business financial statements Previous experience working
in a lending environment, preferably in a financial institution setting
Lake Ridge Bank values a diverse workforce and is an Affirmative
Action/Equal Opportunity Employer. Consistent with Lake Ridge Bank\'s
commitment to employ and advance qualified individuals with
disabilities, Lake Ridge Bank provides reasonable accommodation to apply
for or perform a job. Some examples of reasonable accommodation include
alternate methods to apply, providing documents in an alternate format,
altering work procedures, specialized equipment or use of an
interpreter. If an individual needs reasonable accommodations to apply
or perform a job here at Lake Ridge Bank, please contact Human Resources
at (608) 849-2700 or email us. PI284713282 \*\*\*\*\* APPLICATION
INSTRUCTIONS: Apply Online:
https://www.click2apply.net/PjyaqqSAoVYZqiVKDCeXyW
you\'ll partner with Business Banking Relationship Managers to assess
credit risk, support client strategies, and drive new business
opportunities. If you thrive in financial analysis and risk assessment,
this role offers the opportunity to manage loan portfolios, conduct due
diligence, and play a key role in credit decision-making. Be part of a
collaborative team that values proactive communication, strong
analytical skills, and a commitment to maintaining high-quality loan
Portfolios While Ensuring Compliance With Banking Regulations. ESSENTIAL
RESPONSIBILITIES: Underwriting and Portfolio Management Partner with
multiple Business Banking Relationship Managers (BRM) to identify credit
risk and quality of the portfolio, discuss client strategy and business
opportunities. Act as a liaison between the Commercial Production staff,
Credit Risk Department and other internal staff members as necessary.
Regular and proactive communication with Business Banking Relationship
Manager to ensure updated finan-cials, covenant compliance, knowledge of
client\'s business and assist in identifying new business cross-sell
oppor-tunities. Proactively manage and facilitate the renewal of all
credits under assigned BRM(s) at least 60 days prior to re-newal.
Interpret and evaluate credit bureau reports, UCC filings and public
record information. Prepare loan credit presentations and participate in
the loan approval process. Prepare commitment letters or review as
needed. Prepare Loan File for documentation team via post approval due
diligence. Work with third party individuals as needed such as
evaluation/appraisal orders and environmental due dili-gence. Regular
meetings with BRM, Administrative Assistants and Loan Production to
discuss priorities and status of renewal and new business pipeline.
Financial and Credit Analysis Provide accurate financial analysis, due
diligence and risk assessment of new and existing borrowers; recom-mend
loan structure and discuss loan policy. Responsible for credit risk and
quality of the loan portfolio. Responsible for identifying trends in
client activities which may be predictive of deteriorating credit
quality. Recommend further action to BRM and Credit Risk officer as
necessary. Work with BRM with collection of financials needed for proper
analysis of new and renewed loan requests. Adhere to all Bank
Security/Compliance Regulations Complete all annual bank security and
compliance training. Adhere to Bank Security/compliance and policy
guidelines for commercial production and/or loan area Maintain
confidentiality of customer information at all times. Stay current on
All Compliance Regulations Other Responsibilities Maintain Neat And
accurate commercial files Perform other duties as assigned or requested
Requirements: Associates degree in Finance, Accounting, Business and/or
similar field of education and/or three (3) years previous work
experience in a lending environment Solid understanding of financial
statements including but not limited to tax returns, profit & loss
statements, in-come statements, balance sheets, and other business
financials Well-developed interpersonal and communication skills (verbal
& written) in order to communicate and relate effectively with customers
and associates Good accounting/math skills with the ability to work
precisely with numbers and financial calculations Strong attention to
detail with the ability to work efficiently & accurately Demonstrated
ability in exercising independent judgment Strong organizational skills,
including the ability to prioritize and remain calm while working in a
fast paced/deadline driven environment Good working knowledge of
Microsoft Office Suite, proficient typing/keyboarding skills and the
ability and will-ingness to learn new programs and software Ability to
maintain confidential customer information Ability to read write,
understand and speak English clearly Ability to represent the
Organization In a Professional, Positive Manner Preferred
Qualifications: Bachelor\'s degree in Accounting or Finance Previous
experience in credit analysis or commercial underwriting within a
financial institution Previous work experience in accounting and / or
working with business financial statements Previous experience working
in a lending environment, preferably in a financial institution setting
Lake Ridge Bank values a diverse workforce and is an Affirmative
Action/Equal Opportunity Employer. Consistent with Lake Ridge Bank\'s
commitment to employ and advance qualified individuals with
disabilities, Lake Ridge Bank provides reasonable accommodation to apply
for or perform a job. Some examples of reasonable accommodation include
alternate methods to apply, providing documents in an alternate format,
altering work procedures, specialized equipment or use of an
interpreter. If an individual needs reasonable accommodations to apply
or perform a job here at Lake Ridge Bank, please contact Human Resources
at (608) 849-2700 or email us. PI284713282 \*\*\*\*\* APPLICATION
INSTRUCTIONS: Apply Online:
https://www.click2apply.net/PjyaqqSAoVYZqiVKDCeXyW