Business Banking Underwriter 2
On-site · Charlotte, North Carolina, United States
Job Summary
Prepare financial analyses of current and prospective commercial loan customers, including spreading financial statements, analyzing industry/economic conditions, and completing cash flow analyses to support underwriting recommendations. Assemble full underwriting presentations and perform credit investigations to assess borrower creditworthiness, delivering high-quality service to customers. Analyze credit risk, identify key issues, and document findings in underwriting analyses in accordance with policies and procedures. Utilize software to generate financial spreads, risk ratings, covenant tests, and cash flow analyses; research data from various sources to summarize industry and borrower outlooks; maintain up-to-date knowledge of banking matters, compliance, and credit analysis; collaborate with management on group initiatives to improve processes and outputs; and support risk management and regulatory compliance across responsibilities.
Required Qualifications
- BA or BS
- 3 years of job-related experience
- Excellent project management skills
- Excellent communication skills (written and verbal)
- Excellent organizational, analytical and interpersonal skills
- Excellent customer service skills
- MS Word - Basic
- MS Excel - Intermediate
- MS PowerPoint - Basic
- Knowledge of commercial lending (C&I, IRE, Muni, and NFP)
- Underwriting practices and banking policies/regulations
- Ability to use a personal computer and job-related software
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