Senior Credit Underwriter
Company: American National Bank and Trust Co.
Posted on: January 27, 2023
Description:The Senior Credit Underwriter analyzes credit and
financial reports as well as industry and market condition data to
determine risk involved in loaning money or extending credit.
Specifically, the Senior Credit Underwriter will review balance
sheet strength, income and profitability trends, cash flow and debt
service coverage, management quality, and market conditions to
determine if loans will be sound and in compliance with Bank credit
policy. The Senior Credit Underwriter will also provide staff
support for the Relationship Managers in serving the bank's loan
customers thus interfaces regularly with Management and
Relationship Managers.ESSENTIAL FUNCTIONS 1. Review and spread
business and personal financial information including leases and
rent rolls received to provide detail for historical comparison and
analysis. 2. Document cash flows for operating business entities,
real estate holding companies and individuals, as well as an
overall global cash flow for loan analysis and loan approval.3.
Produce projections, pro-forma statements and sensitivity analysis
as appropriate.4. Identify and document exceptions to the Bank
credit policy as well as pertinent mitigating factors.5. Prepare
written and verbal presentations of financial information including
detailed formal credit analysis with recommendations for loan
approval or denial. The Senior Credit Underwriter will at times
present loans to Credit Officers and or Credit Committee for
approval.6. Conduct Annual Reviews of existing relationships and
Annual Loan Covenant Compliance with consideration of Risk Rating
accuracy. The Senior Credit Officer may also assist the
Relationship Manager and Credit Administration on Past-Due loans,
Watchlist credits and loan workouts.7. Conduct a yearly formal
analysis of all major Bank vendors with a detailed description of
that company and any areas which may affect the vendors'
performance and reliability as related to the Bank.8. Work closely
with the Credit Underwriting Supervisor and Regional Credit
Officers to maintain an acceptable turn-around time on all loan
requests to sustain our reputation as a service-oriented and
personable community bank.9. Act as a training resource for
Relationship Managers and Junior Credit Underwriters related to
understanding and interpreting financial statements and tax returns
and upon request review the cash flow preparations and analysis of
Relationship Managers and Junior Credit Analysts for correctness
and completeness. Also reinforce the Bank's commitment to
sustaining high credit quality and strong credit culture. 10.
Assist in the portfolio review of possible bank acquisitions by
American National Bank.11. Prepare and present for approval ACH
Requests as instructed by Treasury Management Services.12.
Participate in continuing education courses to stay abreast of new
banking regulations.13. Maintain thorough knowledge of Bank's
credit policy and other Bank policies and procedures.14. Maintain a
thorough knowledge of all American National Bank products,
services, procedures, policies and appropriate regulatory issues
relating to daily job functions including but not limited to: Bank
Secrecy Act; Privacy; Fair Lending; Regulation E; deposit,
transaction and loan accounts.Requirements: 1. Demonstrated
analytical and problem-solving skills.2. Experience working in a
fast-paced environment where required to prioritize and deal
effectively with varying workloads and meet deadlines. Time
management is critical.3. Proven experience working independently
with assertive decision-making for loan recommendations.4.
Exceptional communication skills required, both verbal and written,
including courteous and professional interaction, establishing
trust and maintaining productive relationships with customers,
peers, relationship managers and bank management.5. Quickly grasps
Bank analysis software and retains information. 6. Experience with
CoStar and IBISWorld or similar platforms preferred.7. Proficient
with Microsoft Office Products - Word, Excel and Outlook.8. Limited
travel required.EDUCATION AND EXPERIENCE 1. Bachelor's Degree in
accounting, business or finance preferred.2. 5 years in Commercial
Banking required (e.g., Credit Administration, Commercial Credit
Underwriting, Portfolio Management, or Commercial Lending).The
above statements are intended to describe the general nature and
level of work performed by people assigned to this classification.
They are not intended to be construed as an exhaustive list of all
responsibilities, duties, and skills required of personnel so
classified.American National Bank is an equal opportunity employer.
All applicants will be considered for employment without regard to
race, color, religion, sex, sexual orientation, gender identity,
national origin, veteran or disability status. PM21PI200671208
Keywords: American National Bank and Trust Co., Greensboro , Senior Credit Underwriter, Accounting, Auditing , Greensboro, North Carolina
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