Commercial Loan Underwriter

4 weeks ago

Hillsboro, United States BANK OF HILLSBORO NA Full time
Job Details

Job Location
Hillsboro Main Branch - Hillsboro, IL

Job Shift
Day

Description

Credit Analyst / Underwriter

Responsible for completion of loan credit analyses for new and existing commercial and ag loan relationships.

Duties and Responsibilities
  • Perform credit analyses and financial statement reviews on commercial and ag loan relationships. Financial statement spreading and analysis including calculation of Debt Service Coverage per bank guidelines.
  • Create credit presentations that summarize borrower's financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee.
  • Work closely with Loan Officers
  • Research industry specific information from outside sources and provide analysis.
  • Meet or talk to commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits.
  • Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking.
  • Complete monthly board reports
  • Other duties and special projects as assigned.
Qualifications

Qualifications

Education/Experience:
  • Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience.
  • Prior commercial credit experience is preferred
  • Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office.
  • Formal training in Microsoft Excel preferred.
Skills:
  • Detail-oriented
  • Strong communication skills
  • Analytical in nature
  • Possess stronger than average time management, organization, and multi-tasking skills
  • Business writing skills
  • Comfortable in a team environment working with deadline

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