Senior Retail Credit Underwriter

Job Title: Senior Retail Credit Underwriter
FLSA Status: Exempt
Department: Retail Lending
Hours of Operation: Monday - Friday 8:00am - 5:00pm

General Job Summary:
Serve as senior underwriter for Retail and Small Business Loan Groups.
Organizational Duties and Responsibilities:

Supports the mission, vision, and philosophy of the Bank. Complies willingly with all organizational policies and procedures.
Supports all functions that maintain compliance with regulatory agencies.
Responsible for meeting portfolio profitability targets.

Essential Duties and Responsibilities:

Underwrite retail consumer and small business loan applications originated by Retail and Small Business Group employees by analyzing credit worthiness, collateral position, debt-to-income/cash flow ratios
Perform second review on denied consumer and small business applications
Assist Retail Lending Manager with working closely with Retail Credit Underwriter(s), Credit Administration and Chief Risk Officer to comply with bank lending policies and quality loan decision making

Other Functions:

Assist in answering questions for Loan Documentation group, Branch, and Small Business lenders regarding documentation, pricing, and structure of loan requests
Approve requests to release collateral, subordination requests, review and approve rate and guideline exceptions when warranted for Retail and Small Business group employees
Assist Retail Lending Manager in formal training of Retail and Small Business employees when needed

Working Conditions: General office setting

Minimum Job Requirements:
Education: College degree preferred
Experience:

Minimum 3 years consumer and small business underwriting experience, or equivalent loan production experience
Minimum 5 years banking experience

Specific Skills:

Strong consumer and small business credit skills
Understanding of regulatory and compliance issues regarding loans
Knowledge of bank loan policies and procedures
Excellent written and verbal communication skills
Good writing and verbal skills
Proficiency in Word and Excel
Professional appearance and demeanor required

Physical requirements:
The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Primarily sedentary work performed in an office environment
Ability to sit for extended periods of time while working at a computer
Frequent use of hands and fingers to operate a computer, keyboard, mouse, and other office equipment
Ability to speak clearly and hear well enough to communicate with clients, team members, and vendors via phone, video, and in person
Visual acuity sufficient to read computer screens, printed documents, and financial data
Occasional standing, walking, bending, or reaching
Ability to lift and carry up to 10–15 pounds occasionally (e.g., files, office supplies)