Underwrite and approve (or decline) business purpose loan requests for both new and existing credit relationships with aggregate exposure up to $500,000. Serve as resource to financial center personnel and relationship managers by acting as subject matter expert in the area of score-based credit analysis and structuring and centralized underwriting unit policy & procedures. Partners with RMs, application processing unit, and loan closing officers to provide seamless experience to customers.
Duties and Responsibilities
Responsible for reviewing and analyzing credit requests via reports provided in the loan request submission package (Underwriter will utilize score based methodology)
Provide loan decisions / recommendations based on a review of all necessary underwriting criteria & prepare related credit memos in support of decisions / recommendations.
Identify and communicate cross-sell opportunities discovered during the underwriting process.
Effectively communicate with relationship managers, financial center personnel, loan closing group, and all other internal partners. Individual must exhibit the ability to work under pressure and the ability to juggle competing priorities. Underwriter must provide outstanding customer service to internal customers and work well within a team environment.
Maintain working knowledge of Centralized Underwriting Unit Policy & Procedures and FTB Commercial Policy and have the ability to apply as needed. Must maintain satisfactory SLA & QC results.
RequirementsEducation and/or Work Experience Requirements
Bachelor's degree with 1 to 4 years of directly related or equivalent experience required.
Accurate typing, spelling and grammar skills.
Proficient in basic software applications such as Microsoft Word; Intermediate Excel skills required.
Excellent written and oral communication skills.
Good organizational and customer service skills.
Strong sense of urgency & attention to detail.
Strong Time Management skills
Ability to handle high pressure situations
Ability to negotiate
Ability to work on a computer
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, gender stereo typing, and age. First Tennessee is an EO employer M/F/Vets/Disabled.
Please view Equal Employment Opportunity Posters provided by OFCCP her
First Horizon National Corp.