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Credit Underwriter

Edwardsville, IL 62025

Post Date: 03/18/18 Job ID: 44436 Industry: Analyst

This client has been around for almost 150 years providing a variety of services to its customers; such as commercial/personal banking, mortgage lending, and wealth management! Currently, they are seeking a Credit Underwriter to promote and sustain a systematic, unbiased approach to risk analysis.

Position: Direct Hire

Location: Edwardsville, IL

Similar positions: Credit Analyst, Investment Underwriter, Risk Analyst, Underwriter

Responsibilities of the Credit Underwriter:
  • Assess the risk of lending by measuring a potential borrowers credit, market risks, portfolio management objectives, collateral assets, and policy guidelines
  • Underwrite and prepare Commercial Loan Offerings for approval consideration
  • Recommend loan structure/terms to protect exposure and mitigate inherent credit weakness
  • Ensure pricing of products are commensurate of risk involved
  • Discuss concerns regarding deterioration of financial condition, performance of clients, and recommend improvements
  • Assist with renewals/modifications and extensions of credit within servicing officer lending limits
  • Assess financial statements when deciding credit requests
  • Ensure that all advisors/underwriters are following EEO policies and procedures

Requirements of the Credit Underwriter:
  • College degree required
  • Must have 10+ years of credit analysis or credit underwriting, loan/credit review, or commercial lending experience
  • Must have solid decision making and problem-solving skills as it may have a significant impact on the organization
  • Knowledge of financial reporting, accounting concepts, and Microsoft Office
  • Ability to identify weaknesses in credits or the administration of credits
  • Understanding of all lending processes preferred (origination, processing, underwriting, and closing)
  • Applicants must be currently authorized to work in the United States on full-time basis

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