Commercial Underwriter

* Bachelor's Degree in Accounting, Finance, Business Management or related field

* 5-7 years experience in lending or credit preferred

* At least 18 years of age

* Ability to organize and prioritize

* Detail oriented and ability to multi-task

* Proficient in Microsoft Office

* Must be a self-starter and able to meet all deadlines

* Must communicate effectively, both verbal and written

* Must successfully pass background investigation according to company policy

* Must be able to get along with co-workers and work effectively in a team environment

* Strong analytical skills and exercises good judgement to make sound decisions

* Possesses clear understanding and complies with all bank procedures, laws and regulations

* Thorough knowledge of banking and lending strategies

Job Description

* Analyze the financial data presented, including the level and trend of pertinent ratios, including global debt service capacity

* Identify exceptions to lending policies and underwriting guidelines.

* Ensure compliance with all applicable laws and regulations

* Research borrower industry and market conditions

* Identify borrowing causes, sources of repayment, risks to repayment, and suggest enhancements to mitigate credit risk

* Prepare written assessment documenting the strengths and weaknesses commercial credit requests

* Ensure that accurate and complex loan packages are delivered to approving authorities

* Assist in training of analysts

* Assist lenders with sales activities and customer contacts

* Assist with special projects and performs other duties as assigned

Physical Requirements

* Must be able to remain in a sitting stationary position for extended periods of time

* Constantly operate a computer and other office machinery

* Ability to lift up to 25 pounds

Member FDIC, Equal Housing Lender

FCBI is an Equal Opportunity Employer

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