Commercial/Ag Underwriter

Join our dynamic underwriting team, where you'll partner with Business Banking Relationship Managers to assess credit risk, support client strategies, and drive new business opportunities. If you thrive in financial analysis and risk assessment, this role offers the opportunity to manage loan portfolios, conduct due diligence, and play a key role in credit decision-making. Be part of a collaborative team that values proactive communication, strong analytical skills, and a commitment to maintaining high-quality loan portfolios while ensuring compliance with banking regulations.

Underwriting and Portfolio Management

• Partner with multiple Business Banking Relationship Managers (BRM) to identify credit risk and quality of the portfolio, discuss client strategy and business opportunities.
• Act as a liaison between the Commercial Production staff, Credit Risk Department and other internal staff members as necessary.
• Regular and proactive communication with Business Banking Relationship Manager to ensure updated finan-cials, covenant compliance, knowledge of client’s business and assist in identifying new business cross-sell oppor-tunities.
• Proactively manage and facilitate the renewal of all credits under assigned BRM(s) at least 60 days prior to re-newal.
• Interpret and evaluate credit bureau reports, UCC filings and public record information.
• Prepare loan credit presentations and participate in the loan approval process.
• Prepare commitment letters or review as needed.
• Prepare Loan File for documentation team via post approval due diligence.
• Work with third party individuals as needed such as evaluation/appraisal orders and environmental due dili-gence.
• Regular meetings with BRM, Administrative Assistants and Loan Production to discuss priorities and status of renewal and new business pipeline.

Financial and Credit Analysis

• Provide accurate financial analysis, due diligence and risk assessment of new and existing borrowers; recom-mend loan structure and discuss loan policy.
• Responsible for credit risk and quality of the loan portfolio.
• Responsible for identifying trends in client activities which may be predictive of deteriorating credit quality. Recommend further action to BRM and Credit Risk officer as necessary.
• Work with BRM with collection of financials needed for proper analysis of new and renewed loan requests.

Adhere to all Bank Security/Compliance Regulations

• Complete all annual bank security and compliance training.
• Adhere to Bank Security/compliance and policy guidelines for commercial production and/or loan area
• Maintain confidentiality of customer information at all times.
• Stay current on all compliance regulations

Other Responsibilities

• Maintain neat and accurate commercial files
• Perform other duties as assigned or requested