Commercial Lending Specialist

1 week ago


Chattanooga, Tennessee, United States First Volunteer Full time

Position Overview: The key function of this role is to oversee the evaluation and approval of business-related and commercial real estate loan applications within the Small Business Lending division of First Volunteer.

Key Responsibilities:

  • Independently and collaboratively work with the small business underwriting team to assess and authorize small business and commercial real estate loan applications, ensuring adherence to loan quality standards while facilitating a smooth underwriting process.
  • Contribute to the development of the Small Business Lending Unit by participating in staff expansion and enhancing loan servicing as the unit evolves.
  • Uphold the bank's lending and risk management policies, along with compliance with regulatory standards, in all lending activities.
  • Proactively explore alternative loan structures for requests that may not initially be feasible, aligning with both customer and bank requirements while staying within acceptable risk limits.
  • Take ultimate responsibility for the precision and quality of all documentation related to loan decisions and underwriting processes that support credit evaluations.
  • Engage in the management of existing loan portfolios, ensuring that regular servicing tasks are completed.
  • Perform additional responsibilities as assigned by the Underwriting Manager or Chief Credit Officer.
Qualifications:
  • Preferred: Bachelor's degree or equivalent professional experience.
  • Minimum of three years' experience in small business and commercial real estate underwriting.
  • Comprehensive understanding of personal and business financial statements and tax documentation.
  • Exceptional analytical abilities.
  • Strong verbal and written communication skills.
  • Willingness and capability to make loan decisions and exercise individual loan authority.
  • Ability to collaborate within and lead an underwriting team.
  • Capacity to engage with clients across the service area.
  • Familiarity with regulatory compliance requirements.
  • Working knowledge of real estate appraisals and property evaluations.

Equal Opportunity Employer: First Volunteer is committed to fostering a diverse and inclusive workplace. We encourage applications from individuals of all backgrounds, including protected veterans and individuals with disabilities.



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