Description:
Blue Ridge Bank is extremely proud of its more than a century of customer-based service and looks forward to serving its current and new customers for many years to come, with the attention and service that only a locally owned independent community bank can provide. At Blue Ridge Bank our purpose is to be a trusted partner OF CHOICE in helping our customers achieve their financial goals and that includes you as well! Our Core values of teamwork, integrity, respect, open communication and honoring our commitments to each other, serve as our compass, driving us forward with purpose. These values guide our actions and shape our culture to deliver on our purpose. They influence our decision-making and define how we interact with one another and our customers.
Salary Range: $110,400-$171,200
Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. General information on our comprehensive benefits package can be found by visiting Careers | Blue Ridge Bank | Virginia & North Carolina (https://www.mybrb.bank/about/careers.html)
Credit Analyst Underwriter IV is a highly experienced credit professional responsible for independently analyzing, underwriting, and monitoring the Bank's most complex commercial credit relationships. The position serves as a subject matter expert, providing advanced credit analysis, risk assessment, loan structuring recommendations, and portfolio management support while ensuring adherence to Bank policy, regulatory requirements, and prudent banking practices. This position does not have direct supervisory responsibility but is expected to demonstrate leadership through technical expertise, collaboration, mentoring, coaching, and influence..
Responsibilities:
- Analyze, underwrite, and present complex commercial loan requests, renewals, modifications, and annual reviews.
- Identify, assess, and communicate credit risks while recommending appropriate loan structures, terms, covenants, and risk mitigation strategies.
- Monitor assigned loan portfolios, including financial performance, covenant compliance, risk ratings, and emerging credit concerns.
- Serve as a subject matter expert for complex commercial relationships, specialized industries, and advanced credit structures.
- Participate in the enhancement of credit policies, underwriting standards, and portfolio management practices.
- Lead or support special projects, loan review activities, audits, and regulatory examinations.
- Expertise in credit risk analysis and underwriting, with the ability to navigate complex challenges effectively.
-
Demonstrated expertise in analyzing complex commercial credit relationships and providing well-supported underwriting recommendations.
-
Strong communication skills with the ability to effectively present credit recommendations and provide guidance to lenders and junior analysts. Exceptional interpersonal skills, with the capability of influencing across departments and organizational levels.
-
Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
-
Completion of advanced commercial credit training programs, banking schools, or professional certifications is preferred.
Requirements:
Job Tasks:
-
Reviewing complex credit applications and performing detailed risk assessments.
-
Advancing credit policies, practices, and procedures.
-
Performing advanced financial analysis and underwriting of complex borrowing relationships.
-
Preparing comprehensive credit memoranda and risk assessments.
-
Reviewing borrower financial information, industry trends, and collateral valuations.
-
Supporting lenders and credit personnel with technical underwriting guidance.
-
Participating in credit quality initiatives, policy enhancements, audits, and examinations.
-
Proficiency in using credit risk assessment tools and credit management software.
-
Strong command of Microsoft Office Suite, particularly Excel, PowerPoint, and Word.
-
Minimum of eight to ten years of progressively responsible commercial credit analysis and underwriting experience, including significant experience analyzing complex commercial relationship
-
This job primarily involves working at a desk and using a computer for extended periods.
-
The employee must occasionally lift and/or move up to 10 pounds.
-
Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
Blue Ridge Bank is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All employment decisions are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status.
