Commercial Credit Underwriter II

STAR Financial Bank•Indianapolis, IN

19h•Hybrid

About The Position

The Commercial Credit Underwriter II position is included in a workplace model that allows a combination of remote and in-person work. As a Commercial Credit Underwriter II, the essential responsibilities include: Underwrites commercial and business loan requests identifying credit, collateral-asset, transaction, interest rate, compliance and strategic risk contained in the proposed transaction. Evaluates and analyzes cash flow on a borrower’s commercial loan requests including stress testing scenarios, appropriate to the transaction. Underwrites collateral of a commercial loan request to determine quality and liquidity. Analyzes industry & market risk and economic conditions. Identifies concentrations and risk(s) assumed by borrowers and lessees. Creates projections when necessary. Analyzes financial statements and tax return. Develops written presentations and analysis with recommendations for approval by Executive Credit Committee. Obtains and analyzes personal and business credit reports, lien search documents, etc. Identifies and assists Commercial Bankers in the establishment of covenants, lending structure and collateral adequacy appropriate to the transaction. Identifies policy, procedure and documentation exceptions and risks. Measures and identifies risk – reward ratio and returns, risk ratings etc. Participates in client calls and site visits as necessary and facilitates client interaction and dialogue with regards to identifying risks. Underwrites Small Business loan requests. Assumes the responsibilities of the senior Credit Underwriter (Credit Underwriter III) in their absence. Manages other projects within the department to support commercial lending activities for the Bank and monitor’s credit risk in the portfolio. Completes testing for financial covenants for assigned credits as appropriate. Validates accuracy of information submitted to Bank’s borrowing base monitoring system by borrower’s.

Requirements

Strong analytical skills and attention to detail.
Excellent written and oral communication skills.
Ability to work with multiple priorities.
Excellent organization skills.
Ability to provide superior customer service to both internal and external clients.
Proven skills to mentor and coach individuals.
Intermediate skills in Microsoft Office Suite products.

Responsibilities

Underwrites commercial and business loan requests identifying credit, collateral-asset, transaction, interest rate, compliance and strategic risk contained in the proposed transaction.
Evaluates and analyzes cash flow on a borrower’s commercial loan requests including stress testing scenarios, appropriate to the transaction.
Underwrites collateral of a commercial loan request to determine quality and liquidity.
Analyzes industry & market risk and economic conditions.
Identifies concentrations and risk(s) assumed by borrowers and lessees.
Creates projections when necessary.
Analyzes financial statements and tax return.
Develops written presentations and analysis with recommendations for approval by Executive Credit Committee.
Obtains and analyzes personal and business credit reports, lien search documents, etc.
Identifies and assists Commercial Bankers in the establishment of covenants, lending structure and collateral adequacy appropriate to the transaction.
Identifies policy, procedure and documentation exceptions and risks.
Measures and identifies risk – reward ratio and returns, risk ratings etc.
Participates in client calls and site visits as necessary and facilitates client interaction and dialogue with regards to identifying risks.
Underwrites Small Business loan requests.
Assumes the responsibilities of the senior Credit Underwriter (Credit Underwriter III) in their absence.
Manages other projects within the department to support commercial lending activities for the Bank and monitor’s credit risk in the portfolio.
Completes testing for financial covenants for assigned credits as appropriate.
Validates accuracy of information submitted to Bank’s borrowing base monitoring system by borrower’s.