Group Leader Underwriter

Responsibilities of Commercial Lender:

• Complete interview process to determine financial data needed to ascertain the customer's financial services used, financial goals and ability to meet goals

• Collect and analyze information that reflects the current credit worthiness of existing or new loan customers and continues to review the merits of existing loans

• Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements. • Maintain loan portfolio with timely completion of loan renewals.

• Responsible for presenting/supporting loan requests over lending limits or out of loan policy guidelines to Committee and if needed to Board.

• Initialize paperwork from loan processing and handle loan closings

• Monitor the quality of own loan portfolio through loan repayments, deposit activity, and financial data, and take necessary action to collect from past due accounts

. • Ongoing education in loan types, regulation changes/updates and financial products and services

Qualifications of Commercial Lender:

• Relevant Bachelor's Degree from a 4-year college or university preferred, but not required

• 5 years or more of related experience and/or training • Ability to read, analyze, and interpret general business periodicals, professional trade journals, technical procedures, and governmental regulations.

• Ability to write clearly defined reports, professional correspondence, and detailed procedures

• Ability to define problems, collect data, establish facts, and draw valid conclusions.

• Must be able to add, subtract, multiply and divide in all units of measure using whole numbers, common fractions and decimals.

Ability to create, prepare, and interpret statistical information and graphs and proficiently apply these mathematical concepts to work at hand.

• Strong customer service expertise and strong cross selling abilities • Demonstrated effective communication skills and cheerful demeanor

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