gulf coast bank logo
HOME PERSONAL BUSINESS E-BANKING ABOUT US
LOCATIONS CONTACT WEALTH MANAGEMENT GULF COAST BUSINESS CREDIT
 
 
New to Online Banking? Sign Up

HOME
PERSONAL BANKING
BUSINESS BANKING
WEALTH MANAGEMENT
CUSTOMER RESOURCES
E-BANKING
TRUST SERVICES
TUITION LENDING
MORTGAGE
ABOUT US
 
fraud protection center
like us facebook like us google plus like us linkedin like us twitter like us youtube
    CURRENT OPPORTUNITIES
COMMERCIAL UNDERWRITER/CREDIT ANALYST II

DIVISION:          Credit Administration and Compliance

FLSA STATUS:    Non-Exempt

REPORTS TO:     Commercial Underwriter/Senior Credit Analyst or the Vice President of

Credit Administration/Compliance Division

SUPERVISES:      No supervisory requirements

 

JOB SUMMARY

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 customer’s 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 lending money.  Prepare reports within this credit information for use in decision-making.  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, when needed.  Assists in reviewing the underwriting package.

 

JOB DUTIES

  • 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 customers’ 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 locations.
  • Investigate variances on applicant’s financial statements by requesting information from sources, researching development within the industry.
  • 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 needed
  • Overtime as needed

 

EDUCATION/TRAINING/EXPERIENCE/SKILLS NECESSARY

  • College Degree in business related field or a minimum of 4+ year of commercial lending background.
  • Knowledge of Bank’s 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 weaknesses.
  • Ability to work independently and within a team.
  • Ability to assume responsibility and accountability for decision making preferred.
  • Ability to perform multi tasks and meet deadlines
  • Reliable, Accurate and Detailed
  • Ability to work small office equipment (fax, copier, adding machine, etc.)
 
© GCB&T 2013 Privacy Policy Internet User Agreement Security Statement Online Security Best Practices Identity Theft