Commercial Underwriter
First National Bank Texas•Fort Worth, TX
•Onsite
About The Position
The Commercial Underwriter analyzes financial data, including ratios and global debt service capacity, to identify exceptions to lending policies and ensure compliance with laws and regulations. This role involves researching borrower industries and market conditions, identifying repayment sources and risks, and preparing written assessments of credit requests. The underwriter is responsible for delivering accurate loan packages to approving authorities, assisting in analyst training, supporting lenders with sales activities, and undertaking special projects as assigned.
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
Responsibilities
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
