Role Description The ideal candidate for the Commercial Business Banking Underwriter position will have the skills and experience necessary to: - Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data. - Interpret outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted. - Evaluate, analyze and form opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications. - Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness. - Ensure credit requests are processed in accordance with bank policies, banking regulations and laws. - Identify risk and mitigating factors related to conducting a thorough credit analysis for approval. - Respond to internal and external customer inquiries. - Recommend exceptions based on findings. - May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables. - May have authority to approve loans beyond the organization’s guidelines. - Senior most level may function as a lead and be responsible for second level approvals. - Other duties as assigned. - Knowledge of Small Business Administration (SBA) Guarantee Loan Program experience preferred. Qualifications - Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience. - A combination of education and experience may meet qualifications. - Basic knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures. - Basic knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval. - Knowledge of balance sheets, income and cash flow statements. - Good understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations. - Ability to analyze and research financial statements, business plans, credit reports, debt ratios and loan to value information. - Possess good judgment, ability to make sound decisions. - Ability to accept responsibility and handle confidential information. - Must have good customer relations and communication skills. - Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills. - Working knowledge of various related software applications, including spreadsheets, word processing, etc. Benefits - Medical, Dental and Vision Insurance - START DAY ONE! - Life and Disability Insurance, Paid Parental Leave and Adoption Assistance - Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts - Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays - 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience - Salary Range – Depending on experience - Level II - $60,000 to $88,000 - Level III - $70,875 to $103,950 - Level IV - $85,500 to $125,400 - Mental health benefits including coaching and therapy sessions - Tuition Reimbursement for qualifying employees - Employee Ambassador preferred banking products - Employees may, at the company’s discretion, be eligible to receive a cash bonus award