Job Description:

The UW is responsible for underwriting and structuring of credit transactions.  The UW is able to underwrite credit transactions with minimal oversight from the CO and also approves complex credit transactions with some coaching from the CO/CCM.  The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complex clients/transactions. UWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit team members. They report to the Commercial Credit Manager (CCM) and partner closely with COs.

Required Skills:

• BS/BA degree,

• 5+ years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management

• strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Desired Skills:

• Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.

• Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)

Shift:

Hours Per Week: