Underwriter I-Small Business
About The Position
At Associated Bank we strive to create an inclusive culture where different perspectives are valued and recognized as strengths critical to our success. If you thrive in an environment where your growth and development are encouraged and supported, then Associated Bank may be the right place for you. Associated Bank requires you to directly represent yourself and your own experiences during the recruiting and hiring process. Associated Bank conducts a thorough background check on all new hires. Join Associated Bank’s Small Business Underwriting team and help drive smart, responsible lending decisions that support small business growth. In this role, you will evaluate new and renewal loan requests, ensuring strong credit quality while helping business partners structure solutions for clients. This position offers the opportunity to build deep credit expertise and collaborate with teams across the bank.
Requirements
- Associate’s degree in Finance, Business, or equivalent combination of education and experience
- 2+ years of experience in small business underwriting or credit analysis
Nice To Haves
- 4+ years of small business underwriting or credit analysis experience in a centralized underwriting environment
Responsibilities
- Review and approve new and renewal small business credit requests within assigned lending authority to ensure compliance with credit policy and regulatory requirements.
- Analyze financial information, collateral coverage, and cash flow to assess credit risk and determine appropriate loan structures.
- Verify the accuracy of loan documentation, coding, rates, and policy exceptions while ensuring proper mitigation strategies are in place.
- Partner with Small Business Banking, Community Markets, Private Banking, and Retail leaders to support sales opportunities and deliver timely credit decisions.
- Provide guidance and coaching to Branch Managers, Virtual Relationship Managers, and Small Business Relationship Managers on credit policy and loan structuring.
- Monitor portfolio quality by maintaining accurate Probability of Default (PD) ratings and identifying emerging credit risks.
- Serve as a resource on Small Business Loan Policy and collaborate with internal partners to resolve underwriting issues and improve processes.
Benefits
- Retirement savings including both 401(k) and Pension plans.
- Paid time off to volunteer in your community.
- Opportunities to connect with others through our diversity-focused Colleague Resource Groups.
- Competitive salaries with professional development and advancement opportunities.
- Bonus benefits including well-being programs and incentives, parental leave, an employee stock purchase plan, military benefits and much more.
- Personal banking, loan, investment and insurance benefits.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
Associate degree
