Commercial Underwriter

Job Details

Analyze the financial data presented, including the level and trend of pertinent ratios, including global debt service capacity
Identify exceptions to lending policies and underwriting guidelines.
Ensure compliance with all applicable laws and regulations
Research borrower industry and market conditions
Identify borrowing causes, sources of repayment, risks to repayment, and suggest enhancements to mitigate credit risk
Prepare written assessment documenting the strengths and weaknesses commercial credit requests
Ensure that accurate and complex loan packages are delivered to approving authorities
Assist in training of analysts
Assist lenders with sales activities and customer contacts
Assist with special projects and performs other duties as assigned

Physical Requirements:

Must be able to remain in a sitting stationary position for extended periods of time
Constantly operate a computer and other office machinery
Ability to lift up to 25 pounds

FNBT is an equal opportunity employer.

Requirements:

Bachelor's Degree in Accounting, Finance, Business Management or related field
5-7 years experience in lending or credit preferred
At least 18 years of age
Ability to organize and prioritize
Detail oriented and ability to multi-task
Proficient in Microsoft Office
Must be a self-starter and able to meet all deadlines
Must communicate effectively, both verbal and written
Must successfully pass background investigation according to company policy
Must be able to get along with co-workers and work effectively in a team environment
Strong analytical skills and exercises good judgement to make sound decisions
Possesses clear understanding and complies with all bank procedures, laws and regulations
Thorough knowledge of banking and lending strategies