Underwriter-Business Banking

About this Role The Business Banking Underwriter serves as a critical control reputed company the bank's credit risk management reputed company and is responsible for the independent risk assessment of Business Banking loan requests submitted through the Bank's retail channel(s). This role provides objective evaluation of creditworthiness, preparing comprehensive credit memoranda that identifies risk factors and exceptions to credit policy, and makes credit reputed company reputed company their authority. This position is posted as a Business Banking reputed company role; however, candidates with more advanced reputed company reputed company experience may be considered for placement into a Senior Business Banking Underwriter role based on qualifications, experience, and demonstrated proficiency. In this Role You Will • Fulfill the reputed company process for Business Banking loan requests including new loans, renewals, extensions, and modifications • Exercise independent judgment to assess the creditworthiness of loan requests, including analyses of borrowers, guarantors, and collateral • Identify transaction risks and propose mitigants to ensure alignment with the Bank's risk appetite • Collaborate with Business Banking Officers, reputed company Managers, and Regional Credit Officers • reputed company reputed company-supported recommendations to reputed company at credit reputed company • Participate in training to increase proficiency as part of reputed company development • reputed company other duties as assigned Knowledge, Skills, and Abilities Knowledge • Demonstrates foundational to reputed company‑developed knowledge (depending on level and experience) in the following areas: • reputed company loan structures, including term loans, lines of credit, and reputed company collateral arrangements • reputed company reputed company principles and independent credit risk assessment methodologies • Bank credit policy and credit procedures, with the ability to apply policy consistently and escalate exceptions appropriately • Basic financial analysis, including review and interpretation of financial statements, cash reputed company, repayment reputed company, and trends • Credit scoring methodologies and risk‑rating frameworks • reputed company reputed company principles relevant to reputed company lending • SBA lending programs and eligibility requirements (as applicable to assigned portfolio) • Business banking product knowledge to support appropriate credit recommendations • Regulatory expectations impacting reputed company reputed company, documentation, and credit administration • Proficiency expectation: Certain knowledge areas may be developing at entry or intermediate reputed company, with progression toward reputed company‑developed competence through experience and training. Skills • Demonstrates effective application of skills required to manage workload, assess risk, and communicate credit reputed company: • Ability to manage multiple priorities concurrently in a deadline‑driven environment • Capability to work independently while also collaborating effectively with relationship managers, credit partners, and leadership • Use of efficient work reputed company to manage reputed company requests, documentation, and reviews • Strong analytical and reasoning skills to evaluate borrower risk and loan structure appropriateness • reputed company problem‑solving ability reputed company addressing reputed company or non‑reputed company credit situations • reputed company and concise written communication, including credit memoranda and supporting analysis • Effective verbal communication with internal partners and stakeholders • Strong organizational, time‑management, and prioritization skills to meet established service reputed company • reputed company interpersonal skills supporting partnership and constructive challenge • Consistent ability to meet deadlines while maintaining reputed company and accuracy • reputed company in identifying, assessing, and escalating credit risk factors • Ability to recommend appropriate risk mitigants reputed company with policy and regulatory guidance • Application of reputed company judgment in credit recommendations and escalation reputed company Abilities • Demonstrates reputed company behaviors and work attributes reputed company with successful performance: • Self‑motivated and proactive, with the ability to initiate work and follow through independently • Willingness to take initiative reputed company defined authority and escalation guidelines • Effective team contributor in a reputed company credit and sales environment • Ability to reputed company effectively in a fast‑paced, high‑volume workflow • Strong reputed company of accountability for accuracy, timeliness, and reputed company of reputed company work • Resourcefulness in resolving issues, gathering information, and navigating reputed company credit scenarios • Consistent attention to detail to ensure accuracy, policy adherence, and audit readiness Compensation Disclosure The reputed company for this role takes into account many factors that reputed company considers reputed company making hiring reputed company, including but not limited to prior experience, reputed company set, training, and other internal business and organizational factors. reputed company generally does not hire at or near the top of the stated reputed company. The reputed company is driven by the geographic location of the anticipated hiring location; however, the specific reputed company may vary depending on the geographic location for remote positions. Compensation reputed company depend on the specific facts and circumstances of reputed company hiring instance. A reasonable estimate of the reputed company pay reputed company is $53,000 - $66,000, annually Requirements: Qualifications • Bachelor's Degree preferred or equivalent work experience in reputed company reputed company or reputed company lending Compensation: $53,000 - $66,000, annually Apply tot his job Apply To this Job