Underwriter III

Position Summary:

The Underwriter III is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; is responsible for writing loan requests; promotes business for the Bank by maintaining good customer relations with existing and potential borrowers.

Skills and Experience:

• Bachelor’s Degree from an accredited school with course work in finance and accounting preferred
• 8+ years’ work experience in underwriting CRE and C&I credits
• Possesses a proficient knowledge of credit policy, banking regulations, and loan documentation issues
• Must be able to spread, analyze, and interpret complex business and personal financial statements and tax returns
• Must be able to analyze relationships, clients, and prospects globally, not just on individual requests
• Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
• Must possess an extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
• Must have excellent interpersonal and communication skills
• Must be able to verbally communicate effectively one-to-one and in groups
• Must be able to write clearly and effectively
• Must be able to develop and maintain cohesive, cooperative working relationship with co-workers
• Must have good personal organization and time management skills
• Must understand and work effectively within the credit culture of the company
• Must allocate time effectively and independently prioritize workload to meet timelines
• Good mathematical, reading comprehension and writing skills
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Must have effective leadership and administrative abilities
• Must have knowledge of the community and its financial needs, economic and competitive environment, Federal monetary system, and all Federal and State banking regulation
• Must have analytical, decision-making, and problem-solving skills
• Must have the ability to balance multiple tasks and projects simultaneously within a limited time frame

• Must have strong attention to detail, strong organizational, interpersonal, communication and customer relations skills
• Must have the capability of instructing, assigning new work, maintaining standards, allocating personnel, reviewing work, coordinating activities, planning work for others and acting on employee problems
• Must have superior communicator with excellent interpersonal skills, written and verbal communication skills, and presentation skills, and is adept at influencing and achieving collaboration
• Must have a well-developed consultative approach - including the ability to lead complex business initiatives and collaboratively partner at all levels
• Must have strong appreciation for culture in a values-driven business
• Must be a systems thinker; able to thrive in an environment of ambiguity while guiding stakeholders through a shared decision-making process, reconciling disparate perspectives to develop cohesive strategies

Education and Experience:

• Bachelor’s degree in Accounting or Finance
• Minimum of eight (8) year credit analyst experience
• Ability to respond to common inquiries from internal clients, regulatory agencies, and employees
• Advanced knowledge of related state and federal banking compliance regulations, and other Bank operational policies
• Intermediate skills in computer terminal and personal computer operation, including use of word, excel, and office
• Advanced math skills
• Effective verbal, written and interpersonal communication skills
• Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
• Effective organizational and time management skills