Small Business Credit Officer

Builtwell Careers • Chattanooga, TN

1d

About The Position

The primary responsibility for this position is to manage the underwriting and exercise individual loan authority within limits, of business purpose and commercial real estate loan requests within the bank’s Small Business Lending unit. Responsibilities: Work both independently and with the bank’s small business underwriting unit, to underwrite and approve small business and commercial real estate loan requests. While making sure that loan quality standards are maintained position also ensures that the loan requests moves through the underwriting process smoothly and as quickly as prudence allows. Will be actively involved in evolving the Small Business Lending Unit to include adding staff and enhancing loan servicing as the unit grows. Maintains the Bank’s lending and risk policies and standards, along with regulatory compliance guidelines, in all lending decisions. Actively seeks to find loan structure alternatives to requests that are not workable in order to meet the Customer’s and Bank’s needs, while remaining within the Bank’s risk tolerances. Is ultimately responsible for the quality and accuracy of all written documentation of loan decisions and underwriting that is used to support credit decisions. Is active in servicing existing loan portfolios that are assigned and is responsible that periodic servicing has been performed Performs all additional duties and activities as directed by the Underwriting Manager and or Chief Credit Officer

Requirements

• Bachelor degree preferred or equivalent work experience
• Three years of small business and commercial real estate underwriting experience
• Strong understanding of personal and business financial statements and tax returns
• Strong analytical skills
• Strong verbal and written communication skills
• Ability and desire to make loan decisions and exercise individual loan authority
• Ability to work within and lead an underwriting team
• Ability to work with customers across our footprint
• Knowledge of regulatory compliance.
• Working knowledge of real estate appraisals/property evaluations.

Responsibilities

• Work both independently and with the bank’s small business underwriting unit, to underwrite and approve small business and commercial real estate loan requests.
• Ensure that loan requests moves through the underwriting process smoothly and as quickly as prudence allows.
• Actively involved in evolving the Small Business Lending Unit to include adding staff and enhancing loan servicing as the unit grows.
• Maintains the Bank’s lending and risk policies and standards, along with regulatory compliance guidelines, in all lending decisions.
• Actively seeks to find loan structure alternatives to requests that are not workable in order to meet the Customer’s and Bank’s needs, while remaining within the Bank’s risk tolerances.
• Responsible for the quality and accuracy of all written documentation of loan decisions and underwriting that is used to support credit decisions.
• Active in servicing existing loan portfolios that are assigned and is responsible that periodic servicing has been performed
• Performs all additional duties and activities as directed by the Underwriting Manager and or Chief Credit Officer

What This Job Offers

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