Small Business Lending Services (SBLS) Underw

JOB SUMMARY: This position supports credit origination and risk management activities for the Bank. Will be responsible for driving accuracy and completeness of credit underwriting functions within the SBLS. 

JOB SPECIFICATIONS:

Education:        

• Bachelor’s Degree in related field or equivalent combination of coursework and commercial credit experience.

Experience:       

• Typically requires 3+ years of commercial credit experience including underwriting of C&I loans and commercial real estate loans. 
• Have knowledge of banking regulations, credit analysis functions, bank products, credit policies and procedures.

ESSENTIAL FUNCTIONS:

• Provide complete, timely, and accurate underwriting and credit analysis on credit requests submitted to the SBLS.
• May participate in joint client calls with Relationship Managers to assist in screening credit requests.
• Ability to manage and prioritize a loan pipeline
• Ability to close a loan including but not limited to, order supporting loan documentation, prepare loan doc requests, review, understand and explain loan documentation, verify collateral perfection, and any other post-closing duties.
• Ensure digital loan files are updated, organized and complete
• Be knowledgeable of bank compliance rules and adhere to Federal and State banking regulations relating to this position
• Follow all Bank compliance policies and procedures relating to this position
• Othe duties as assigned to meet client and operational needs
• All employees are responsible for internal controls in the performance of their assigned duties. Internal Control responsibilities are established in various policies, procedures, and documents, including Code of Conduct.

WORK CONTEXT:

• Ability to concentrate and focus on essential functions in appropriate priority order is required.
• Requires being punctual, dependable, detail oriented and responsible for work outcomes and results. 
• Requires sitting for long periods and traveling to other departments and locations, as needed.   
• Requires contact with others by telephone conversations, use of electronic mail, and face-to-face discussions.  
• Requires completion of assigned on-line training courses with a passing percentage.  
• Professional environment requiring appropriate professional demeanor and attire. 
• Work is performed indoors in environmentally controlled conditions.
• Ability to lift 30 lbs., if necessary

SKILLS:

• In-depth understanding and ability to interpret accounting literature, regulations, practice and theory, as well as ability to apply this knowledge to day-to-day activities
• Requires proactive problem-solving skills with an ability to anticipate obstacles and quickly generate alternate solutions/ideas.
• Strong knowledge of Sageworks and Microsoft Office applications (Word, Excel)
• Ability to work hours required to fulfill job expectations
• Understanding of loan origination, processing and closing duties
• Strong written and oral communication skills.
• Strong organizational and project management skills. Capable of prioritizing workflow.
• Ability to prioritize multiple tasks efficiently and within deadlines.
• Ability to handle stress and heavy workflow
• Requires knowledge of the current regulatory environment.
• Requires adherence to the Bank's risk management policies and programs.
• Recognizes and proactively addresses risk associated with Bank Secrecy Act, anti-money laundering, consumer compliance, fair lending, fiduciary responsibilities, privacy and electronic banking.

RELATIONSHIPS:

• Reports to the Credit Administration Officer for the fulfillment of functions and responsibilities.
• Works with Chief Lending Officer, Market Team Leaders, Relationship Managers, Loan Support staff, Compliance Officer and accounting department.