Commercial Credit Underwriter

Summary

Evaluates the financial condition of individuals and businesses applying for consumer and commercial credit. Makes credit decisions within designated lending authority. Prepares loan presentation packages as required. Participates in Board presentations as required. Prepares and completes Annual Reviews as designated by Sr. Credit Officer or Chief Credit Officer. Primary Activities

(Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Analyzes loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and financial institution files.
• Prepares spreadsheet, reports, summaries and Memos on new, renewal, and existing loans.
• Prepares presentation package for Executive Credit Committee and Board as needed.
• Assures all basic underwriting guidelines are met.
• Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts.
• Performs credit inquiries for the financial institution as requested.
• Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.
• Provides technical advice and assistance to loan officers throughout the Bank as needed.
• Maintains expertise in new and current analysis procedures.
• Maintains expertise in new and changing underwriting guidelines and industry regulations.
• Adheres to Bank credit standards and works constructively with and abides by credit department guidelines.
• Assists in the production of any required BOD reports, exception tracking and clear to close function.
• Maintains appropriate compliance tracking as required.
• Underwrite and decision Consumer, Mortgage and Commercial Loan Requests
• Approve requests within individual lending authority
• Assist Senior Credit Officer with creating more efficiencies within the department
• Perform Loan Relationship Annual Reviews

Competency/Skill Level

(The behaviors, knowledge, and motivations important to success in the job.)

• Written and Oral Communication skills
• Analytical Ability
• Initiative
• Customer Service Orientation
• Problem Assessment and Solving skills
• Teamwork
• Tolerance for Stress
• Practical Learning skills

Key Behaviors

• Provides Proper Telephone Etiquette to Internal/External Customers
• Services Internal/External Customer Requests/Inquiries
• Reviews Required Documentation for Accuracy and Completeness
• Personal Development as Established with Manager

Critical Job Elements

(Essential duties and responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Generally good working environment with little exposure to noise, extreme temperatures orother adverse factors.
• Limited physical effort required.
• Bachelors Degree in Finance, Accounting or related field preferred.
• Above average amount of pressure to work efficiently and accurately.
• Considerable effort and eye strain from continued checking on the accuracy of all work leaving department.
• Above average mental effort consisting of beyond normal levels of concentration, memory, complexity of decision making, time pressure, analytical thinking.

Pay: $60,000.00 - $72,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee stock purchase plan
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Education:

• Bachelor's (Required)

Experience:

• Underwriting: 2 years (Required)
• Banking: 2 years (Required)
• Financial analysis: 2 years (Required)

Location:

• Chattanooga, TN 37421 (Required)

Work Location: In person

Salary : $60,000 - $72,000