Business Lending Services Underwriter II

Commercial Loan Underwriter

Performs underwriting duties for commercial loan relationships of $3 million or less in compliance with organizational policies / procedures and state and federal lending laws / regulations by performing the following duties.

Essential duties and responsibilities include the following :

• Evaluates loan applications up to and including loan relationships of $3 million or less for business purposes.
• Analyzes income and debt levels to determine Debt Service Coverage (DSC) ratios which are critical when determining repayment ability.
• Spreads and analyzes financial statements and tax returns for potential and existing customers and guarantors.
• Prepares company cash flows, global cash flows, financial analysis, and collateral valuations for loan requests.
• Reviews and interprets spreads and financial information using trend analysis, ratio analysis, and other financial analysis tools for use in evaluation larger and more complex credits.
• Decisions loan applications for either approval as submitted, conditional approval or denial.
• Evaluates an individual's credit score (or business credit score) and historical payment records.
• Assesses the risks associated with the pricing of the credit (interest rate risk), the current economic climate (market risk) and the industry or the occupation (industry risk) of the applicant.
• Provides written comments to support loan decisions with each loan application that will become a permanent part of the file.
• Builds and maintains strong relationships with lenders, loan assistants, and loan support staff.
• Provides guidance to lenders on loan policy requirements, structure, collateral, loan covenants, and monitoring requirements for new or existing business loan requests in order to maximize profitability and minimize risk and policy exceptions.
• Generally focuses on the underwriting of larger and more complex credits that require a more thorough and detailed analysis.
• Attends risk department / division meetings as required to maintain a current working knowledge of substandard and other higher risk relationships.

This job has no supervisory responsibilities.

Competencies :

Qualifications :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and / or Experience :

Bachelor's degree (B.A.) from four-year college or university; minimum five years' experience as a business underwriter; or equivalent combination of education and experience.

Language Skills :

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills :

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability :

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills :

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Excel and Word.

Customer Service Skills :

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community / public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Other Skills :

Must have strong working knowledge of the Origin Bank Lending Policy in order to provide proper decisioning of loan applications.

Physical Demands :

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand; walk; sit and use hands to finger, handle, or feel. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and / or move up to 10 pounds and occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.

Work Environment :

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.