Sr. Credit Underwriter

Lincoln Savings Bank • Des Moines, IA

82d

About The Position

The position involves working closely with relationship managers, underwriters, and senior credit department staff to analyze and structure complex loan requests. The individual will oversee the completion of the Credit Approval Form (CAF) per guidelines and may lead or assist in presenting requests to the loan committee or credit staff when necessary. Additionally, the role includes closely monitoring existing lending relationships and communicating updates to senior lending and credit department staff.

Requirements

• Bachelor's degree in finance, accounting, or related field.
• 4+ years underwriting and analyzing commercial loan credits.
• Strong knowledge of personal/business financial statements and tax returns.
• Strong knowledge of regulatory guidelines.

Responsibilities

• Work with loan officers to structure larger and more complex credit presentations per policy guidelines.
• Prepare loan pre-flight and loan committee presentation items, including detailed financial and collateral analysis.
• Participate in weekly pre-flight and committee meetings as necessary.
• Analyze existing credit relationships based on periodic or event-driven credit reviews.
• Provide advanced technical advice/assistance to loan officers as needed.
• Proactively engage with relationship managers and borrowers to ensure a customer-centered loan approval process.
• Mentor and train junior credit underwriting personnel.
• Possess a thorough knowledge of LSB's lending policies as well as regulatory policies pertinent to the lending and credit function.
• Ensure adherence to lending and credit-related FDICIA controls.
• Represent Lincoln Savings Bank positively in all professional duties, including participating in civic, community, and networking events to cultivate productive relationships for the bank.
• Perform other duties and responsibilities as defined by Management.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree