Underwriter/Senior Credit Analyst or the
Vice President of
The commercial underwriter/credit
analyst II will perform a variety of
duties to support the commercial
lenders, board loan committee and board
of directors in the determination of the
customerís credit worthiness.
Will analyze current credit data
and financial statements of individuals
and/or firms to determine the degree of
risk involved in extending credit or
Prepare reports within this
credit information for use in
This will include both existing
and new relationships, as well as, both
commercial and real estate loans.
Ensure compliance with loan
policy and bank regulations.
Assists in training the
commercial underwriter/credit analyst,
Assists in reviewing the
Ensures applications are accurate and complete.
Analyze credit date and financial statements to determine the degree
of risk involved in extending credit
or lending money.
Generate financial ratios, using computer programs, to evaluate
customersí financial status.
Prepare reports that include the degree of risk involved in
extending credit or lending money.
Complete credit analyses and summaries of loan requests, and submit
to the commercial lender.
Compare liquidity, profitability, and credit histories of
establishments being evaluated with
those of similar establishments in
the same industries and geographic
Investigate variances on applicantís financial statements by
requesting information from sources,
researching development within the
Assists in training
Assists in reviewing the credit
underwriting packages for accuracy
Performs other duties and special
projects as needed
Cross trains and backs-up others as
Overtime as needed
College Degree in business related field or a minimum of 4+ year of
commercial lending background.
Knowledge of Bankís Loan Policy
Strong Computer Skills required
Must possess excellent verbal and written interpersonal skills.
Ability to use logic and reasoning to identify the strengths and
Ability to work independently and within a team.
Ability to assume responsibility and accountability for decision
Ability to perform multi tasks and meet deadlines
Reliable, Accurate and Detailed
Ability to work small office equipment (fax, copier, adding machine,