About this Role
The Commercial Banking Underwriter serves as a critical control within the bank's credit risk management framework and is responsible for the independent risk assessment of commercial loan requests. This role provides objective evaluation of creditworthiness, preparing comprehensive credit memoranda that identifies risk factors and exceptions to credit policy, and makes recommendations on credit decisions.
In this Role You Will
Demonstrated knowledge of commercial loan structures, underwriting principles, credit policy and procedures, accounting principles, and regulatory expectations. Ability to apply sound underwriting judgment using financial analysis, credit policy interpretation, and product knowledge, including SBA lending concepts, to appropriately identify and mitigate risk.
Strong analytical, reasoning, and problem-solving skills with the ability to assess complex credit scenarios, identify risks, and recommend appropriate mitigants. Proven ability to work independently while collaborating effectively with internal partners to meet deadlines in a fast-paced environment.
Highly developed written and verbal communication skills, with the ability to clearly document credit decisions and communicate recommendations to stakeholders. Demonstrates strong organizational, prioritization, and time management skills, with consistent attention to detail and accountability for results.
Exhibits sound judgment, professionalism, and discretion; demonstrates initiative, resourcefulness, and self-motivation; and maintains a team-oriented approach while managing multiple competing priorities.
The range for this role takes into account many factors that First Bank considers when making hiring decisions, including but not limited to prior experience, skill set, training, and other internal business and organizational factors. First Bank generally does not hire at or near the top of the stated range. The range is driven by the geographic location of the anticipated hiring location; however, the specific range may vary depending on the geographic location for remote positions. Compensation decisions depend on the specific facts and circumstances of each hiring instance.
Qualifications
Qualifications
Founded in 1910, First Bank has been dedicated to serving our clients and local communities since day one. We’ve been around for over 100 years and know the value of providing superior products, delivering quality service, and ensuring our clients have a consistent, personalized experience with us.
Our history is full of successes, commitment, and first-hand experience that have helped shape what we stand for and who we are as a partner, financial services provider, and an employer. Every day we make decisions guided by our vision of successfully helping family-owned businesses, their families, and employees thrive through the generations.
Our people are our biggest asset. They make us who we are, and we value the diverse, unique perspective of each of our employees. We welcome those who share our values of people, teamwork, courage, integrity, passion, purpose, and responsibility. First Bank is a community of people who value partnerships, meaningful connections, who genuinely care, and will welcome you to the First Bank family.
We put our people first because when our people are at their best, our clients get the best.
Member FDIC. Equal Housing Lender.
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