Junior Credit Officer - Underwrite & Analyze Loans

Tnbankers; Chattanooga (TN); On-site; USD 65,000 - 95,000; Full time

Job summary

Tower Community Bank in Chattanooga, TN seeks a full-time Credit Underwriter to evaluate the financial condition of individuals and businesses seeking consumer and commercial credit. The role includes making credit decisions within lending authority and preparing loan presentation packages for the Executive Credit Committee and Board.

Responsibilities include analyzing loan data for new, renewal and existing loans, preparing spreadsheets, reports and memos, and maintaining compliance with

Qualifications

• Must be able to analyze loan requests and assess financial condition.
• Proficient in preparing loan packages, reports and memos for decision makers.
• Ability to ensure underwriting guidelines and regulatory compliance are followed.
• Experience in presenting to executive committees and boards.

Responsibilities

• Evaluate financial condition of individuals and businesses applying for credit.
• Make credit decisions within lending authority.
• Prepare loan presentations and annual reviews as required.
• Analyze loan data for new, renewal and existing loans; prepare reports and memos.
• Maintain and update loan files; support executives with Board and BOD reports.
• Provide technical underwriting advice to loan officers and ensure compliance.

Skills

Credit analysis

Underwriting

Loan presentation

Financial reporting

Board coordination

Job description

Tower Community Bank in Chattanooga, TN seeks a full-time Credit Underwriter to evaluate the financial condition of individuals and businesses seeking consumer and commercial credit. The role includes making credit decisions within lending authority and preparing loan presentation packages for the Executive Credit Committee and Board.

Responsibilities include analyzing loan data for new, renewal and existing loans, preparing spreadsheets, reports and memos, and maintaining compliance with