Department: Credit Administration
Supervisor: SVP/ Credit Administration
The primary role of the underwriter position is to support commercial loan officers in the analysis of the creditworthiness of the Bank's C&I, CRE, and other credit relationships. The underwriter will assist in identifying and gathering sufficient information regarding the credit qualifications of the applicant / borrower, the specific nature and current status of the industry, current market conditions, and the underlying financial strength of the owners, for the Bank to make sound credit decisions.
Summary of essential job functions
Analyze business and commercial financial statements, cash flows and tax returns, using Bank's software applications. Analyze personal tax returns, financial statements, and cash flows using Bank's software applications.
Gather appropriate underwriting information from various sources such as the Bank's data systems, Internet, Dun & Bradstreet, RMA, CoStar, and general market data bases. Evaluate adequacy of cash flows to service proposed debt structure(s). Evaluate applicant's/borrower's industry and general market conditions. Determine the degree of risk involved in extending the proposed credit facility. Perform other duties as assigned.
Bachelor's degree in Accounting or Finance
1-3 years of related work experience in banking
Ability to focus on task and be detail oriented
Strong analytical skills
Excellent written and verbal skills
Proficient in Microsoft Office suit
Adaptability to other software programs
Solid business writing skills
Good organizational skills
Strong written and verbal communication skills
Strong and effective planning and organizational skills
Thorough understanding of the components of various financial statement types and formats
Thorough understanding of personal/ partnership and corporate tax returns
Extended coursework in accounting and/or finance
Professional and effective interpersonal skills
Working knowledge of legal entity structures
Ability to support and defend decisions on loan requests
Ability to communicate effectively in a logical succinct format, verbally or in writing
Ability to sit, stand, kneel, and bend for extended periods of time
Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components
Lifting and transporting heavy to moderately heavy objects, such as computers and peripherals
Ability to converse and exchange information with all levels of staff within the organization
Ability to observe, perceive, identify, and translate data
The position for which you are applying is one that would have access to cash, financial instruments, financial transactions or confidential customer financial information. The Bank has determined that personal financial responsibility is substantially related to preventing misuse of misappropriation of financial instruments or information which is essential function of the position for which you are applying. A consumer report is requested on that basis.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
We are an Affirmative Action/EEO Employer. We do not discriminate on the basis of race, color, religion, national origin, physical or mental disability, protected veteran status, sex, gender identity, sexual orientation or any other characteristic protected by federal, state or local law.
Apply at www.fvcbank.com / Careers Tab