Senior Commercial Banking Underwriter

First National Bank; Charlotte (NC); On-site; USD 70,000 - 95,000; Full time

Job summary

First National Bank is seeking a Business Banking Underwriter 3 to perform in-depth credit analyses for commercial loan customers. The role involves spreading financial statements, cash flow analysis, and presenting underwriting recommendations with minimal oversight.

Candidates should have a BA/BS and at least five years of related experience, plus strong MS Word/Excel/PPT skills and knowledge of lending regulations. Works within the Credit unit under the Underwriting Team Leader.

Qualifications

• BA or BS is required.
• 5 years of job-related experience are required.
• Excellent project management, communication, organizational and analytical skills.

Responsibilities

• Analyzes the creditworthiness of borrowers and prepares full written analysis per policies.
• Uses software to complete financial spreads, risk ratings, covenant tests, cash flow analyses.
• Researches available data including internet sources and subscriptions to support lending decisions.
• Maintains knowledge in banking matters, compliance, and credit analysis; demonstrates professional behavior with customers and colleagues.
• Collaborates with manager on group-wide initiatives for process and output improvements.
• Performs other related duties as assigned.

Skills

Credit analysis

Cash flow analysis

Financial spreads

Industry research

Underwriting

Regulatory compliance

Communication

Interpersonal skills

Project management

Microsoft Word

Education

BA or BS

Tools

MS Word

MS Excel

MS PowerPoint

Credit software

Job description

First National Bank is seeking a Business Banking Underwriter 3 to perform in-depth credit analyses for commercial loan customers. The role involves spreading financial statements, cash flow analysis, and presenting underwriting recommendations with minimal oversight.

Candidates should have a BA/BS and at least five years of related experience, plus strong MS Word/Excel/PPT skills and knowledge of lending regulations. Works within the Credit unit under the Underwriting Team Leader.