Credit Analyst & Commercial Underwriter

Bank Of Bartlett; Bartlett (TN); On-site; USD 60,000 - 90,000; Full time

Job summary

Bank Of Bartlett is seeking an analytical Underwriting Support Analyst to join the Commercial Underwriting team in Bartlett, TN. You will analyze personal and business financials, assess credit capacity, and prepare high-quality analysis for management.

You will collaborate with commercial lending staff to gather documentation, justify decisions, and ensure timely loan approvals within policy guidelines.

Qualifications

• Bachelor's Degree in Finance or Accounting required.
• Two to five years of similar or related experience expected.
• Strong communication, discretion, and problem-solving abilities required.

Responsibilities

• Spread and analyze credit data and financial statements to determine capacity for underwriting.
• Collect documents and prepare loan applications and reports for approvals and renewals.
• Ensure compliance with bank policies, procedures and regulatory requirements.
• Maintain relationships with lenders and support staff to facilitate timely loan decisions.

Skills

Interpersonal skills

Oral and written communication

Attention to detail

Problem solving

Education

Bachelor's Degree in Finance or Accounting

Tools

Microsoft Windows

Microsoft Office

Word

Excel

Loan documentation systems

Decisioning systems

Imaging program

Host processing system

Job description

Job Details

Job Location: BARTLETT, TN 38134
Position Type: Full Time

Role: Provide analytical and underwriting support for Commercial Underwriting team. Spread and analyze personal and business financial statements, including tax returns, of current and potential bank customers to determine financial capacity. Partner with Commercial Lending group to ensure proper application documentation for new credit proposals and renewals. Assist in evaluating loan requests, applying credit policy and procedures, identifying risk factors, and preparing high-quality analysis for presentation to management or committees.

Essential Functions & Responsibilities

• Spreads and analyzes credit data and financial statements of individuals and/or businesses to determine financial capacity of applicant involved in underwriting process. Use computer software to evaluate client financials and produce financial ratios. Compare historical data and financial ratios for trends in liquidity, revenues, profitability, including comparison to peer industry reports. Deliver meaningful, detailed credit analysis while providing efficient and timely service.
• Work with loan officers / assistants to identify and collect documents needed for efficient and timely approvals on new and existing credits. Compiles information, updates loan applications, and composes reports detailing analysis. Collaborates with lending staff to prioritize new credit requests, renewals, and reviews.
• Decision loans timely and within bank guidelines and recommends decisions on requests outside of loan authority. Communicate with the Retail staff in all phases of loans. Accurately spread and analyze financial statements, utilizing system software and spreadsheets to determine financial capacity of applicants. Conduct additional credit investigation and analysis, including obtaining business and consumer credit bureau reports.
• Ensure files meet compliance, applicable law and regulatory guidelines, including compliance regulations, and policies and procedures are appropriately applied.
• Maintains good working relationship with Business Banking Officers and Branch Managers. Perform other job related duties as assigned by management.

Performance Measurements

1. Deliver meaningful, reliable, and detailed credit analysis while providing efficient and timely service.
2. Follow established processes and procedures to ensure application information is complete and actionable to allow for appropriate file analysis, documentation, and decision-making.
3. Must be able to understand, comprehend, and analyze financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the loan underwriting process.
4. Ensure applications on decisioning system follow applicable regulatory deadlines.
5. To report any backlogs or problems promptly to supervisor.
6. To ensure bank and governmental standards are met at all times, meeting lending policy and procedures, and maintaining compliance with applicable laws and regulations.
7. To maintain good rapport and provide friendly, professional, and accurate service and support to all customers and employees.
8. Maintain appropriate attendance and punctuality.
9. To complete all assigned training within the allotted time frame.
10. To maintain the confidentiality of all information as directed in banking procedures.
11. To comply fully with all state and federal regulations that are applicable to their specific job duties.
12. Each position within the Company shares in the cross‑selling of the Company's products and services.

Qualifications

Knowledge and Skills:

Experience: Two to five years of similar or related experience.

Education: Bachelors Degree with a concentration in Finance or Accounting.

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of building relationships, problem‑solving, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy, trust, and tact in communication.

Other Skills

• Effective oral and written presentation skills
• Must be capable of operating all types of relevant office equipment and skills, including computer, copy machine, adding machine, 10-key, internet, and telephone.
• Knowledge and proficient use of relevant systems and applications, including Microsoft Windows, Office, Word and Excel, and host processing system, imaging program, and loan documentation and decisioning systems.
• Ability to read, analyze and interpret the most complex documents, define problems, collect data, synthesize information, and draw valid conclusions.

Physical Requirements

The person in this position needs to occasionally move about inside the office to access file cabinets, office machinery, etc. Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer. Must able to lift up to 50 pounds. Must be able to remain in a stationary position 50% of the time.