C&i Underwriter

**Summary**:
**RESPONSIBILITIES**:

- Analyzes financial data, assesses underlying credit risks and determines overall credit worthiness of prospective borrowers for loan requests ranging from $250,000 to $20,000,000.
- Provides ongoing monitoring of the loan portfolio through the annual reviews, renewals of existing credit facilities and monitoring financial and covenant compliance.
- Communicates credit decisions / issues to customers and appropriate Bank personnel.
- Gathers information and analyzes borrower data, including historical and current financial statements and competitive industry information.
- Works closely with Sales Team, C&I Director and CLO in structuring loans. Recommends appropriate loan transactions.
- Interacts with environmental engineers, third party vendors and bank personnel.
- Prepares loan submissions for Credit Committee and Board of Directors.
- Assists in writing new/revised department policies and procedures.
- Maintains required knowledge related to bank credit policies, loan programs, and real estate markets.

**REQUIREMENTS**

**Education**:
College degree in Business, Finance, or Accounting; or equivalent related business experience.

**Work Experience**:
Minimum of 6-8 years related experience required; including commercial underwriting experience, and strong credit skills and knowledge of credit policy.

Working knowledge of credit issues, bank policies and commercial loan documentation.

Demonstrated ability to analyze tax returns, operating statements and pro-forma statements to calculate loan-to-value ratio and debt-coverage ratio.

In depth experience with cash flow and leverage analysis

Excellent written/verbal communication skills required.

Proficiency with various software programs including MS Office and financial spread software (i.e. - Moody’s, TAC).

Pay: $125,000.00 - $145,000.00 per year

**Benefits**:

- 401(k)
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Parental leave
- Vision insurance

Schedule:

- Monday to Friday

**Education**:

- Bachelor's (preferred)

**Experience**:

- Bank C&I or Small Business Underwriting: 6 years (required)

Ability to Relocate:

- Brook, IN: Relocate before starting work (required)

Work Location: In person