Senior Credit Underwriter

## Description

**Position Title: Senior Credit Underwriter**

**Department: Credit Services**

**Reports To (position): Director of Credit Services**

**General Summary/Purpose**

This position works under the direction of the Director of Credit Services and with the Relationship Managers to provide financial and cash flow analysis, collateral analysis, and prepare loan approval packages for the appropriate approval authorities including the Officers’ Loan Committee and the Board of Directors.

**Key Duties and Responsibilities**

**#1** Spreads and analyzes historical and projectedfinancial statements for businesses and individuals **Percentage of time: 40%**

**#2** Creates credit approval packages demonstrating an ability to assess overall credit risk

and independently identify key issues related to sources of repayment, loan structure,

industry risk, financial performance, collateral, and other relevant criteria across a

multitude of industries and collateral types**Percentage of time: 40%**

**#3** Presents, or assists in presenting, credit packages for various approval authorities including Relationship Managers, Senior Management, Officers Loan Committee, and the Board of Directors

**Percentage of time: 10%**

**#4** Analyzes, and prepares reports on various aspects of the bank’s loan portfolio

**Percentage of time: 10%**

## Qualifications

**Education, Training and Skills Required**

(Identify the minimum required to perform the duties and responsibilities.)

____ Limited training normally acquired through high school education

____ Specialized education/training normally acquired through up to 18 months’ of higher education

____ Education/training equivalent to an Associates’ Degree

_X__ Education/training equivalent to a Bachelors’ Degree

____ Education/training equivalent to a Masters’ Degree

____ Advanced education/training in a recognized field of specialization, e.g. CPA, MBA

_X__ Other (please specify)

• Bachelor’s Degree in business administration, finance, accounting or economics
• General knowledge of financial statements and analysis
• Strong analytical ability with effective written and verbal communication skills
• Ability to organize and multi-task effectively in a deadline-driven environment
• Ability to effectively lead teams toward company goal achievement

• **Experience Required**
• (Identify the minimum required to perform the duties and responsibilities as well as the type of experience required.)
• ____ None
• ____ Three months to one year
• ____ More than one year, fewer than three years
• __X_ More than three years, fewer than five years
• ____ More than five years, fewer than eight years
• ___ More than eight years