Small Business Credit Officer

2 weeks ago


Chattanooga, Tennessee, United States First Volunteer Full time
Job Summary

We are seeking a highly skilled and experienced Small Business Credit Officer to join our team at First Volunteer. As a key member of our lending team, you will be responsible for managing the underwriting and exercise of individual loan authority within limits for business purpose and commercial real estate loan requests.

Key Responsibilities
  • Work independently and with the bank's small business underwriting unit to underwrite and approve small business and commercial real estate loan requests, ensuring loan quality standards are maintained.
  • Evolving the Small Business Lending Unit by adding staff and enhancing loan servicing as the unit grows.
  • Maintaining the Bank's lending and risk policies and standards, along with regulatory compliance guidelines, in all lending decisions.
  • Actively seeking loan structure alternatives to requests that are not workable to meet the Customer's and Bank's needs, while remaining within the Bank's risk tolerances.
  • Responsible for the quality and accuracy of all written documentation of loan decisions and underwriting that is used to support credit decisions.
  • Active in servicing existing loan portfolios that are assigned and responsible for periodic servicing.
Requirements
  • Bachelor degree preferred or equivalent work experience.
  • Three years of small business and commercial real estate underwriting experience.
  • Strong understanding of personal and business financial statements and tax returns.
  • Strong analytical skills.
  • Strong verbal and written communication skills.
  • Ability and desire to make loan decisions and exercise individual loan authority.
  • Ability to work within and lead an underwriting team.
  • Ability to work with customers across our footprint.
  • Knowledge of regulatory compliance.
  • Working knowledge of real estate appraisals/property evaluations.


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