Senior Credit Underwriter

Position Title: Senior Credit Underwriter
Department: Credit Services
Reports To (position): Director of Credit Services

General Summary/Purpose
This position works under the direction of the Director of Credit Services and with the Relationship Managers to provide financial and cash flow analysis, collateral analysis, and prepare loan approval packages for the appropriate approval authorities including the Officers Loan Committee and the Board of Directors.

Key Duties and Responsibilities
#1 Spreads and analyzes historical and projected financial statements for businesses and individuals.
(Percentage of time 40%)

#2 Creates credit approval packages demonstrating an ability to assess overall credit risk and independently identify key issues related to sources of repayment, loan structure, industry risk, financial performance, collateral, and other relevant criteria across a multitude of industries and collateral types. (Percentage of time 40%)
#3 Presents, or assists in presenting, credit packages for various approval authorities including Relationship Managers, Senior Management, Officers Loan Committee, and the Board of Directors. (Percentage of time 10%)
#4 Analyzes and prepares reports on various aspects of the banks loan portfolio. (Percentage of time 10%)

#J-18808-Ljbffr