Retail Commercial Underwriter

BANK OF BARTLETT • Bartlett, TN

5d • Onsite

About The Position

Underwriter for lending and loan documentation, which includes ensuring timely loan decisions and recommendations. Spread and analyze personal and business financial statements, including tax return of current and potential bank customers per the credit policy and procedures. Handle exceptions, loan review, training and reporting.

Requirements

• Five years to eight years of similar or related experience.
• A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g. information technology certifications in lieu of a degree).
• Good communication skills.
• 10 key and word processing Excel, Word, Windows, Internet, imaging program, host processing system, loan documentation system, loan decisioning system skills.
• Management skills.
• Accounting knowledge.
• Financial statement analysis.
• Thorough knowledge of loan documentation and lien perfection.
• Understanding of laws and regulation related to consumer lending.

Nice To Haves

• Motivating, influencing, and/or training others is key at this level.
• Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Responsibilities

• Decision loans timely and within bank guidelines and recommend decisions on requests outside of loan authority.
• Communicate with the Retail staff in all phases of loans.
• Ensure that the compliance of regulations, policies and procedures are within guidelines/underwriting to the highest level.
• Draft and proof all loan documents and loan agreements (including Subordination Agreements) for lending staff.
• Order documents from Attorneys/ Title companies to complete preparation of loan documents.
• Accurately spread and analyze financial statements, utilizing system software and spreadsheets to determine financial capacity of applicants.
• Conduct additional credit investigation and analysis, including obtaining business and consumer credit bureau reports.
• Ensure files meet compliance, applicable law and regulatory guidelines, including compliance regulations, policies and procedures are within guidelines to the highest level.
• Accurately process loan closing conditions.
• Maintain good working relationship with Business Banking Relationship Officers and Market Managers.
• Perform other job related duties as assigned.

Benefits

• Continued research and training to maintain knowledge of bank policy and governmental regulations.
• Cross-selling of the Company's products and services.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level