Job description
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POSITION SUMMARY:
The Credit Underwriter (AVP) is responsible for undertaking and presenting robust credit risk analysis in support of relationship-led loan requests from our Commercial & Industrial (C&I) and Commercial Real Estate (CRE) and teams. The role will primarily be focused on C&I transactions (Healthcare/Skilled Nursing Facilities), with senior support provided for the more complex transactions.
ESSENTIAL FUNCTIONS AND RESPONSIBILITIES (Duties which are critical/central to accomplishing the purpose of the job. List job duties in order of importance.):
With limited supervision, undertaking financial and credit risk analysis for borrowers and guarantors in a timely manner; including but not limited to financials, projections, industry/market, structure, and terms.- Demonstrating understanding of credit risks and mitigants, presenting analysis and risk rating recommendation clearly and concisely in risk focused credit proposals for submission to the FVP Credit/Deputy CCO for review.
- Work closely and proactively with Lending Officers throughout the transaction process, ensuring financials are complete, accurate and received in a timely manner. Attend client meetings and/or site visits as appropriate.
- In partnership with the Lending Officers, ensure all credit related questions from the approval authority are addressed efficiently and effectively.
- Willingness to develop good understanding of compliance, regulations and the Bank’s commercial lending policies.
- Assisting in the completion of various monthly, quarterly or ad hoc reports as necessary.
- Assisting in gathering information required by Bank examiners and internal audit.
- Undertake ad hoc credit risk projects with limited oversight.
KNOWLEDGE, SKILLS and ABILITIES (Required for this job.):
Bachelor’s degree in Business, Accounting or Finance; or equivalent experience- Minimum 3 years in credit related field, preferably in a banking environment
- Strong analytical / financial modeling skills
- Excellent written and verbal communication skills
- Good interpersonal skills; work collaboratively and with integrity with key internal and external stakeholders.
- Strong team player with desire to grow and assume additional responsibilities.
- Working knowledge of all MS Office Suite products and appetite to learn core database management programs
EDUCATION/EXPERIENCE REQUIREMENTS (minimum education and/or years of experience required to perform the job.) – check appropriate education category:
Check Appropriate Education Category:
High school diploma or equivalent work experience.
- College degree or equivalent work experience.
- Advanced degree or equivalent experience.
Required Years of Work Experience: 3
PREFERRED KNOWLEDGE SKILLS AND EXPERIENCE FOR THIS JOB:
Knowledge of the Healthcare industry and / or skilled nursing facilities segment considered a plus.
SUPERVISORY RESPONSIBILITIES (Yes/No):
Yes
- No
COMPANY STANDARDS:
In the performance of their respective tasks and duties all employees are expected to conform to the following:
- Perform quality work within determined timeframes.
- Interact professionally with other employees, customers, vendors and shareholders.
- Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
- Shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce.
- Work effectively as a team contributor on all assignments.
- Work independently while understanding the necessity for communicating and coordinating work efforts with other employees, departments, divisions, etc.
- Work on additional tasks, assignments and projects as needed.
PHYSICAL DEMANDS/WORK CONDITIONS:
Light
Moderate
Heavy
N/A
Light
Moderate
Heavy
N/A
Sitting
X
Keyboarding/ Mousing
X
Standing
X
Crawling and/or Kneeling
x
Walking
X
Crouching, Squatting
x
Lifting
X
Stooping, Bending
x
Carrying
x
Reaching above shoulder height
x
Speaking
X
Grasping and/or Turning
x
Listening
X
Pulling and/or Pushing
x
Working Inside
X
Seeing and/or Color Determination
x
Working Outside
X
Travelling, i.e. Auto, Train, Plane
x
The salary range only reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law.
Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.
This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.
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