SENIOR COMMERCIAL LOAN UNDERWRITER Job at CoastalStates Bank, Atlanta, GA

TGcxVkZOMjJ0bGVHQmtvaHlYZjNsQUpBTFE9PQ==
  • CoastalStates Bank
  • Atlanta, GA

Job Description

Job Details Job Location Atlanta - Atlanta, GA Description Position Summary: At Coastal States Bank (CSB), we are Local. And Proud Of It. We are committed to the relationships we build, have a proven track record of success and share a passion for serving our clients and communities. We are looking for an experienced full-time Senior Commercial Loan Underwriter.This position works Mondays through Fridays in a professional setting. First preference is to find a candidate within our Atlanta, GA area. Other locations within our organization are available. Remote work may be possible but regular in-person interaction is required. Applications outside of our footprint will not be considered. Salary is commensurate with experience. The Senior Commercial Loan Underwriter will underwrite/analyze financial and other credit information of borrowers and guarantors and write credit memos and periodic loan reviews for use by Directors, Bank Management, Regulators and Loan Review in making decisions about: the extension of new or renewal credit to borrowers and ongoing management of credit risk within the bank's loan portfolio. Benefits include: 401(k) matching Dental insurance Dependent care reimbursement Disability insurance Flexible spending account Health savings account Life insurance Medical insurance Paid holidays Paid time off Paid parental leave Prescription drug insurance Vision insurance Wellness program Essential Functions: To assess and determine the financial condition, repayment capacity and character of borrowers and guarantors through the review and analysis of financial information including: accountant or internally prepared financial statements, tax returns, personal financial statements, liquidity statements and business and personal credit reports in conformance with the bank's loan policies and underwriting guidelines. Develop and implement procedures. To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, accounts receivable agings, purchase invoices and other collateral information based on the bank's loan policies and underwriting guidelines. To write credit memos, loan reviews and other reports summarizing information about new or existing borrowers including: the purpose of the loan, the experience/ background of the borrower, the financial condition of borrowers and guarantors, repayment capacity, collateral adequacy and industry/market and using that information along with the bank's loan policies and banking regulations to evaluate a loan's conformance to the bank's lending guidelines and policies and making recommendations to Directors and Bank Management about the extension of credit to borrowers, risk grading of loans and any other pertinent conditions. To assist Bank Management in the timely monitoring of credit risk in the bank. Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Supervisor. Critical Success Factors: Self-Motivated Responsiveness Facilitates teamwork High Attention to detail and organizational skills Strong ethics Strong analytical and problem-solving skills Excellent analytical, written and oral communication skills. Qualifications Preferred Education/Experience/Software: A Bachelor's Degree in Finance, Accounting, Economics or Business to include advanced knowledge of book and tax accounting. A preference of 5-10 years of experience as a bank credit analyst and/or loan underwriter. Substantial understanding of the job and applies knowledge and skills to complete a wide range of tasks; prepare financial spreads and utilize them in financial analysis reporting; and has the ability to use, understand and apply credit policy and bank regulations to responsibilities. Exercise good judgment and discretion in the handling of confidential information and making recommendations to Directors and Bank Management for loans requiring credit decisions. Completes diverse deadline driven tasks. Works with highly sensitive and confidential information. Excellent written and verbal skills necessary to interact and communicate with various levels of internal and external clients. Solid time management and organizational skills with the ability to manage and prioritize multiple tasks to meet deadlines. Works under general supervision and usually on own initiative. May perform some tasks independently and also work as a contributing team member. May act as a resource to other internal staff. Knowledgeable in a wide range of Microsoft Office software applications. Proficient with Fiserv, nCino and other bank programs. Additional Requirements: The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies. Training: Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned. Work Environment/Physical Demands: Professional office environment. While performing the duties of this position, the team member is regularly required to operate standard office equipment. The team member is frequently required to communicate and perceive. The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to 10 pounds of force 5% of the time and a negligible amount of force approximately 95% of the time. CoastalStates Bank

Job Tags

Holiday work, Full time, Bank staff, Local area, Flexible hours, Monday to Friday,

Similar Jobs

Luah Logistics LLC

Delivery Driver Job at Luah Logistics LLC

 ...We are looking for delivery drivers. MUST HAVE YOUR OWN VEHICLE !!! A Car, Cargo van, mini vans, SUV, sedans, pickup trucks. and 16ft-26ft box trucks. Our drivers handle multiple stops delivering packages, large loads and hardware merchandise.We are seekinga Delivery... 

International Leadership of Texas

SPED Instructional Coach Job at International Leadership of Texas

 ...Knowledge/Skills: Knowledge of specialized curriculum and instruction Knowledge of the Admission, Review, and Dismissal (ARD) Committee...  .... 4. Meets regularly with teachers, other instructional coaches, district teacher leaders, and administrators to review data... 

Unifi

Airport Customer Service Agent (Delta) - SHV Job at Unifi

Requirements and DescriptionSummaryUnifi Customer Service Agents are the first line of defense for our customers! This is a customer-facing...  ...equipment.BenefitsExplore amazing destinations anywhere Delta Air Lines flies through worldwide pass travel privileges... 

Agile Consulting Group

Data Analyst Job at Agile Consulting Group

Join to apply for the Data Analyst role at Agile Consulting Group, Inc.Applicants who do not...  ...ideal candidate will analyze transaction-level data, identify overpaid taxes, and...  ....Compensation: $75,000Seniority level Entry levelEmployment type Full-timeJob function... 

URBN

URBN Men's Fit Model Job at URBN

Role Summary: URBN is searching for a Male Fit Model to support our Production & Sourcing teams with the design and technical design of garments. This role is used by a fashion designer or clothing manufacturer to check the fit, drape and visual appearance of a design...