SBB Underwriter - Credit

Commerce Bank•Kansas City, MO

1d•$27 - $46

About The Position

The main purpose of this job is to underwrite business loan requests up to $1 million that results in the acquisition, cross-sell, profitability, and retention of Small Business customers. Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us. Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you. Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.

Requirements

Basic understanding of corporate/legal structures and corporate governance documents and their respective relationships to effectively bind necessary borrowers
Basic understanding of a variety of collateral types, ways to value, and documentation needed to perfect security interest
Basic understanding of loan policy and identification of credit exceptions
Basic understanding of financial statements and trend analysis
Solid credit understanding and analysis skills
Ability to utilize critical thinking skills to assess current and future potential risk factors
Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
Inquisitive, agile, and strong team player with excellent written, verbal, and interpersonal communication skills
Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
Intermediate level proficiency with Microsoft Word, Excel, and Outlook
Bachelor’s degree or equivalent combination of education and experience required
2+ years underwriting experience required

Responsibilities

Underwrite business loan requests up to $1 million that results in the acquisition, cross-sell, profitability, and retention of Small Business customers
Analyze financial statements and collateral while performing industry research
Identify opportunities to expand relationships and alternative options for the customer
Provide remote deposit support, including processing and decisioning
Maintain loan procedures and clear compliance exceptions on a timely basis
Perform loan processing, remote deposit support and compliance management
Perform loan processing duties, including the review for completion and moving the application forward in the loan platform system
Perform other duties as assigned