Commercial Credit Underwriter I
Bank of Greene County•Village of Catskill, NY
•$20 - $23•Onsite
About The Position
The Commercial Credit Underwriter I provides commercial credit analysis and underwriting, thereby facilitating the initiation and servicing of commercial credit relationships. Reviews the commercial loan portfolio to ensure sufficient, current and accurate credit records are created and maintained within the credit files, loan processing system, and the financial tracking and reporting software. Underwrites new money loans, renewals and annual reviews within assigned threshold.
Requirements
- Bachelor's Degree in Business/Finance or related field, or equivalent work experience
- Proficiency in Microsoft Office software
- Detail oriented, with strong communication and analytical skills
Nice To Haves
- Prior knowledge of lending, credit analysis, or portfolio management a plus
Responsibilities
- Complete credit analysis of businesses.
- Safeguard Bank assets (monitor and mitigate the Bank’s risk of loss)
- Comply with all applicable laws, rules, regulations, policies, procedures, and guidelines
- Ensure complete credit files are maintained and updated in accordance with Bank policies and procedures for relationships constituting the commercial credit portfolio
- Prepare reports as needed for the credit analysts and lending department officers
- Complete projects as assigned relating to management and tracking of the commercial loan portfolio
- Assist with preparation of written commercial credit procedures
- Track and monitor the occurrence of commercial credit relationship reviews and line renewals completed by credit analysts
- Complete relationship reviews and line renewals within threshold level
- Coordinate services with credit analysts to facilitate the credit analysis function
- Enter data into Bank’s financial analysis and monitoring software system (Sageworks/Abrigo)
- Provide assistance as requested during audits and exams
- Ensure accurate HMDA data is collected and reported for commercial loans
- Order and review third party reports, such as credit reports, appraisals and environmental reports
- Contribute to a professional, business-like atmosphere within the credit department
- Other duties as assigned
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Number of Employees
11-50 employees
