Underwriter II

Ephrata National Bank•Elkton, MD

5d•$80,000 - $115,200•Onsite

About The Position

Under limited supervision, analyze all forms of credit information and independently prepare a complete, documented credit package for all types of loan requests for the Credit Services Department to include both commercial and agricultural loans. This role operates in a professional work environment and routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers. This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required. This position may require travel.

Requirements

4-6 years of relevant experience required.
Bachelor’s degree in Accounting, Finance or business related field from an accredited college or university required.
Thorough knowledge of accounting, financial analysis methods and techniques, and spreadsheet applications.
Thorough knowledge of credit concepts and principles, loan documentation, bank services and operations.
Strong ability to analyze credits and possess detailed knowledge of lending structure and cash flow analysis.
Strong organizational and analytical skills.
Strong presentation skills.

Nice To Haves

Experience across multiple lines of business, particularly commercial and/or agricultural lending is preferred.

Responsibilities

Actively collaborate with applicable teammates to finalize credit recommendations. Delegated authority - up to $750,000.
Deliver on organization metrics and KPIs to ensure timely and quality underwriting results.
Analyze financial information for new loan requests, renewals and modifications up to established exposure limits.
Accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, and stress testing with minimal supervision.
Reviews and makes applicable recommendations in loan structure to ensure that acceptable credit standards are maintained and that all loans conform to credit policy while fully mitigating exceptions to policy.
Makes recommendations regarding risk rating of commercial and agricultural accounts and assesses collateral quality and values. Establishes risk rating within their delegated authority.
Independently prepare loan narratives on larger and more complex transactions which provide an adequate summary of the financial analysis, addressing the applicable character, capacity, collateral, capital and conditions of the credit, highlighting credit strengths and weaknesses that supports the credit recommendation.
Attend the Bank’s Loan Committee when appropriate.
Maintain a strong working knowledge of Bank policies and pertinent lending regulations.
Independently take credit action within their designated lending authority.
Maintain and grow knowledge of industry trends and risks within the marketplace which may have a direct or indirect impact on the Commercial and Agricultural Lending portfolio.
Assist in monitoring accounts for compliance to loan covenants and other on-going conditions of the loan approval. Verifies assets and debts when necessary by using technology and resources available. Assist in monitoring of borrowing bases as applicable.
Performs other duties/projects as assigned