Senior Commercial Loan Underwriter

MIDFLORIDA Credit Union • Lakeland, FL

3d • Onsite

About The Position

We are proud to be defined by the excellent service and convenience offered to our members, as well as our diverse workforce and company culture. There are many reasons to work for MIDFLORIDA, which is probably why we were voted one of Florida Trend's "Best Places to Work." MIDFLORIDA offers a positive team culture, an open-door management style, a commitment to diversity, stability, competitive benefits, and a career path with a growing, successful company! Join us on our mission to improve the financial well-being of our members!

Requirements

• 3 to 5 years of commercial and real estate investment credit underwriting experience in a bank environment
• Understanding of balance sheets, income, and cash flow statements
• Understanding of commercial and real estate investment property lending policies, procedures, laws, and regulations

Nice To Haves

• A Bachelor's degree in a business-related field is preferred; however, we may consider a combination of education and experience for an otherwise well qualified candidate

Responsibilities

• Underwrite commercial and real estate investment property loans and lines
• Structure commercial and real estate investment loan transactions; prepare loan memoranda and credit packages
• Research and examine credit and collateral risks; assess information to determine creditworthiness of existing and potential borrowers
• Prepare financial spreadsheets, reports, and summaries
• Manage a commercial and real estate investment loan portfolio to include conducting reviews of existing relationships, assessing changes in risk, preparing covenant recommendations to minimize risk, completing renewals of maturing loans
• Exercise sound judgment and discretion while remaining compliant with well-defined limits and guidelines.
• Deliver problem solving solutions and perform research as needed.
• Provide technical solutions in support of MIDFLORIDA’s electronic services.
• Accountable for meeting productivity, quality, and sales goals.
• Professional and efficient communications with all departments promoting synergy.
• Exhibit a high degree of integrity, trustworthiness, and professionalism always.
• Exude a positive and professional attitude with members and partners consistently.
• Perform other duties as assigned.

Benefits

• Stability
• Opportunity for growth
• Paid time off and paid holidays
• Tuition assistance after 6 months of service
• 401K Plan with employer matching
• Health, Dental, and Vision Insurance - Generous and affordable plans for employee and family
• Employee Assistance Program- No waiting period to access benefit
• Bonus programs and annual appraisals with salary increase opportunities

What This Job Offers

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