Description

and Requirements

The Commercial Underwriter - Portfolio Management position is responsible for monitoring the risk of the commercial loan portfolio primarily through the completion of annual loan reviews on existing loan relationships, including SBA 504 and 7a loans and loan participations.

Essential Functions and Responsibilities:

Conducts annual reviews of commercial relationships. Spread borrower's financial statements and/or tax returns and performs an impartial and thorough credit analysis. Provides valuation analysis on commercial real estate serving as collateral for existing loans. Assign and validate risk grades that are based on: cash flow analysis, collateral evaluation, documentation and compliance. Provides a review of recently closed loans to determine whether policies, procedures, regulatory requirements and best practices are adhered to. Structures, underwrites and decisions member business loans under approved authority limits. Serves as the go to source for questions related to policy and procedures. Additionally provides input and guidance to the department regarding compliance issues specifically related to Reg B and Fair Lending. Works with loan officers and the commercial loan administration department to document, approve and close material changes to existing commercial loans. Assists the Portfolio Manager in preparing reports provided to the department SVP, internal committees and the board of directors that reflect the ongoing health of the commercial loan portfolio. Demonstrates ownership of assigned portfolio with minimal guidance. Works with loan officers to track, monitor and request periodic reporting requirements from members. Completes at least 40 hours of Commercial Lending training via self-study, webinars, seminars and workshops, and/or professionally contracted classes, annually. Recommends process improvement solutions for effective portfolio management. Completes special projects for the department. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).

Requirements:

Bachelor's Degree in Finance, Accounting, or Business Administration. 1-3 years of underwriting and credit analysis experience Expertise in commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis. Excellent verbal and written communication skills required as well as strong presentation skills and a high level of attention to detail. Strong organizational skills and effective time management. Moderate skill set in Microsoft Office Applications. Ability to perform intermediate level accounting and financial analysis under moderate supervision. Formal Credit Training preferred.

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.

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