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Immediate Job Opportunity
Participates in the loan management process by providing credit and loan underwriting expertise to a Commercial Banking team. Analyzes prospective loan transactions and credit worthiness of borrowers by performing a comprehensive credit analysis, and provides opinions and recommendations regarding proposed credit and potential risks. Ensures all due diligence and background evaluation is complete and thorough before Credit Risk Recommendation ("CRR") is submitted.
*Minimum 7 years experience in underwriting medium to large sized and moderately-complex commercial credit required.
*Minimum 7 years of experience in a banking or financial services environment required.
*Bachelor's degree and/or Credit training is required.
Job Skills and Knowledge
Solutions are thorough, and require analysis, interpretation, and evaluation of financial statements, cash flow analysis, third party reporting, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns. Prepares recommendations regarding approval or denial of applications exceeding posted standards. Loan size is typically over $10 million. Actively mentors lower level credit team colleagues. May function as the primary credit contact for clients and interact effectively with all levels of Bank personnel and outside contacts.
College degree in Business Administration or a related field and/or a minimum of 10 years experience in underwriting large and complex commercial loans.
Requires extensive technical expertise and full knowledge of commercial credit principles, financial concepts and regular use of ingenuity and creativity in solving complex credit problems.
Communicates skillfully and effectively in both verbal/written forms.
Good organizational skills.
Ability to assume responsibility and accountability for decision making.
Ability to work well independently to restructure loans and/or lines of credit as required.
*Represents the basic qualifications for the position. To be considered for this position you must at least meet the basic qualifications.
Company is an Equal Opportunity Employer -- Minorities/Females/Individuals with Disabilities/Veterans.
Note: The Preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
Note: Candidates should be advised that Company does not pay interviewee travel expenses or relocation expenses for candidates who are hired unless previously agreed.