Senior Business Banking Underwriter

First National Bank; Raleigh (NC); On-site; USD 75,000 - 110,000; Full time

Job summary

First National Bank is seeking a Business Banking Underwriter 3 in Charlotte, NC. You will analyze borrowers’ creditworthiness, spread financial statements, and prepare underwriting presentations for complex commercial loans.

You will rely on industry data, cash flow analyses, and risk assessments to support lending decisions, while ensuring adherence to bank policies and regulatory requirements. Collaboration with the underwriting team and ongoing knowledge development are essential.

Qualifications

• BA/BS degree required.
• Minimum 5 years of job-related experience in banking/credit underwriting.
• Strong analytical and credit analysis skills.

Responsibilities

• Analyze the creditworthiness of borrowers, identify key credit issues and prepare full written analysis.
• Spread financial statements, risk ratings, covenant tests, cash flow analyses.
• Research industry and economic data to support lending decisions.
• Maintain knowledge in banking matters, compliance and underwriting practices.
• Collaborate with manager on process improvements and risk management initiatives.

Skills

Project management

Communication

Organizational skills

Interpersonal skills

Customer service

PC proficiency

MS Word

MS Excel

MS PowerPoint

Commercial lending knowledge

Banking regulations knowledge

Education

BA or BS

Job description

First National Bank is seeking a Business Banking Underwriter 3 in Charlotte, NC. You will analyze borrowers’ creditworthiness, spread financial statements, and prepare underwriting presentations for complex commercial loans.

You will rely on industry data, cash flow analyses, and risk assessments to support lending decisions, while ensuring adherence to bank policies and regulatory requirements. Collaboration with the underwriting team and ongoing knowledge development are essential.