Commercial Underwriter

$70,000 - $85,000/Yr

InBank - Greenwood Village, CO

Full-time - Mid Level

Greenwood Village, CO

Credit Intermediation and Related Activities

About the position

Underwrite commercial loans (C&I, Real Estate, Construction, Agricultural, Private Banking, Enterprise Value, Tax Incentivized, etc.), in a manner designed to maximize efficiency, accuracy, and quality. Collect, compile, and analyze financial information to facilitate lending decisions for commercial credit requests. Work closely with Bankers and Credit Administration to support the credit underwriting process and ensure it is collaborative, as well as assisting Portfolio Managers when needed to learn and participate in the Portfolio Monitoring process. This position is 100% in office in the Denver Tech Center area.

Responsibilities

• Manage the loan underwriting process to ensure credit quality and accuracy of output, including by the Credit Analyst team.
• Underwrite moderately complex loan transactions for new and existing clients with complicated borrowing structures.
• Responsible for compilation of data and interpreting outcomes of analysis, utilizing sound credit underwriting skills to recommend credit decisions, maximize credit quality and minimize risk/potential loss to the Bank.
• Assist Bankers and Credit Administration with Pre-Flight/Loan Committee presentations.
• Participate with Bankers and Portfolio Managers on calls with existing and potential Customers to better understand client needs in an effort to grow the Bank's Book of Business.
• Participate in the monitoring process for the Commercial Loan Portfolio and help Portfolio Managers to compile portfolio metrics used for regulatory reporting, internal risk assessment/mitigation, Executive Management strategic decisioning, etc.
• Maintain current knowledge and follow all bank financial and security regulations and procedures.
• Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.

Requirements

• Bachelor's degree or equivalent work experience
• 3+ years of experience in credit analysis, underwriting, and/or lending activities; 4-6 years of relevant experience with requisite competencies.
• Advanced skills with Microsoft Office Suite, Credit Analysis Software.
• Advanced credit analysis and analytical skills.
• Thorough knowledge of credit administration, policy, and procedures.
• In-depth knowledge of risk analysis on a variety of commercial credit types.
• Superior customer service skills.
• Excellent technical report writing skills, verbal communication, and interpersonal skills.
• Ability to effectively manage multiple responsibilities and priorities.
• Ability to lead, motivate, and foster teamwork.
• Ability to effectively discern information and formulate appropriate action.
• Ability to think critically and provide appropriate solutions.

Nice-to-haves

• Ability to provide sound credit decisions utilizing strong background in evaluating personal and business financials.
• Strong attention to detail and accuracy; professional and courteous communication skills.
• Ability to effectively communicate between key internal business partners.

Benefits

• Medical, Dental, Vision insurance.
• Disability insurance.
• Employee assistance program.
• Flexible spending account.
• Health savings account.
• Life insurance.
• Vacation and sick leave, as well as paid Bank Holidays.
• 401(k) with company match begins with the first contribution and follows the company vesting schedule.
• Access to career training and development opportunities.
• Employee discounts.