Bryant Bank
Overview
The Credit Underwriter will be responsible for evaluating loan applications, assessing credit risk, and making informed lending decisions in accordance with the bank's policies, regulatory requirements, and risk tolerance. This role involves analyzing financial statements, credit reports, and collateral to ensure that lending decisions align with the bank’s standards. The Credit Underwriter will collaborate with relationship managers and other departments to ensure smooth processing and mitigate risks while supporting the bank’s lending objectives.
Responsibilities
Review and evaluate loan applications, financial statements, and credit reports to assess the credit risk of potential borrowers and determine eligibility for credit.
Conduct thorough credit risk assessments using financial ratios, historical data, and qualitative information to ensure accurate lending decisions.
Assess the adequacy and value of collateral to determine appropriate loan structures and minimize risk exposure.
Prepare well-documented credit memos with detailed assessments and present clear recommendations for loan approvals or rejections to management.
Ensure all credit decisions comply with the bank’s internal lending policies, procedures, and regulatory requirements.
Collaborate with relationship managers, loan officers, and other departments to collect necessary information, discuss loan proposals, and resolve issues.
Identify emerging risks in lending and recommend proactive measures to minimize potential losses.
Stay up-to-date on market conditions, economic trends, and regulatory changes affecting lending and underwriting processes.
Knowledge/Skills/Abilities
Strong understanding of financial statements, financial modeling, and credit analysis techniques.
Proven experience in credit analysis or underwriting within a banking environment.
Familiarity with banking regulations and compliance requirements.
Excellent analytical, problem-solving, and decision-making skills.
Strong written and verbal communication skills.
Proficiency in Microsoft Office Suite and financial analysis software.
Attention to detail, with the ability to work under pressure.
Competencies
Accountability: Takes ownership for results and meets personal and organizational obligations.
Collaboration: Works with others to establish priorities and complete tasks.
Customer Service: Builds cooperative internal and external relationships and resolves complex problems.
Decision-Making: Exercises good judgment under limited data and time constraints.
Organizational Awareness: Understands organizational policies and stakeholder dynamics.
Self-Management: Sets goals, manages workload, and accepts new responsibilities as needed.
Education and Experience
Bachelor’s degree in Finance, Accounting, Economics, or related field and 1-2 years of related experience required.
Preferred
3-5 years of experience in credit analysis or underwriting within a banking environment preferred.
Certification in Credit Risk (e.g., CRISC, FRM) or similar professional certifications.
Experience working with loan products or in specialized industries such as real estate, manufacturing, etc.
Seniority level
Entry level
Employment type
Other
Job function
Finance and Sales
Industries
Banking
We’re not listing referrals in the description; this note is kept to indicate how referrals may affect interview timing.
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Responsibilities
Review and evaluate loan applications, financial statements, and credit reports to assess the credit risk of potential borrowers and determine eligibility for credit.
Conduct thorough credit risk assessments using financial ratios, historical data, and qualitative information to ensure accurate lending decisions.
Assess the adequacy and value of collateral to determine appropriate loan structures and minimize risk exposure.
Prepare well-documented credit memos with detailed assessments and present clear recommendations for loan approvals or rejections to management.
Ensure all credit decisions comply with the bank’s internal lending policies, procedures, and regulatory requirements.
Collaborate with relationship managers, loan officers, and other departments to collect necessary information, discuss loan proposals, and resolve issues.
Identify emerging risks in lending and recommend proactive measures to minimize potential losses.
Stay up-to-date on market conditions, economic trends, and regulatory changes affecting lending and underwriting processes.
Knowledge/Skills/Abilities
Strong understanding of financial statements, financial modeling, and credit analysis techniques.
Proven experience in credit analysis or underwriting within a banking environment.
Familiarity with banking regulations and compliance requirements.
Excellent analytical, problem-solving, and decision-making skills.
Strong written and verbal communication skills.
Proficiency in Microsoft Office Suite and financial analysis software.
Attention to detail, with the ability to work under pressure.
Competencies
Accountability: Takes ownership for results and meets personal and organizational obligations.
Collaboration: Works with others to establish priorities and complete tasks.
Customer Service: Builds cooperative internal and external relationships and resolves complex problems.
Decision-Making: Exercises good judgment under limited data and time constraints.
Organizational Awareness: Understands organizational policies and stakeholder dynamics.
Self-Management: Sets goals, manages workload, and accepts new responsibilities as needed.
Education and Experience
Bachelor’s degree in Finance, Accounting, Economics, or related field and 1-2 years of related experience required.
Preferred
3-5 years of experience in credit analysis or underwriting within a banking environment preferred.
Certification in Credit Risk (e.g., CRISC, FRM) or similar professional certifications.
Experience working with loan products or in specialized industries such as real estate, manufacturing, etc.
Seniority level
Entry level
Employment type
Other
Job function
Finance and Sales
Industries
Banking
We’re not listing referrals in the description; this note is kept to indicate how referrals may affect interview timing.
#J-18808-Ljbffr