Private Banking Credit Underwriter

SmartBank Associates enjoy an AMAZING benefits package:

• Comprehensive benefits- medical, dental, vision, life, and disability insurance
• Matching 401(k)
• Generous paid time off (PTO)
• SmartFlex Days
• Up to 11 Paid Company Holidays
• Incentive Program
• Mental Health Benefits Including 8 free sessions with a coach or certified professional
• Tuition Reimbursement
• Community Involvement Opportunities
• Company apparel provided at no cost

Major Duties and Responsibilities:

• Uphold SmartBank Core Values & Core Purpose
• Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.
• Analyze the financial records like earnings, savings, payments and purchase of the company or individual and recommend other useful financial activity for further plans.
• Generate financial spreads and ratios, using computer programs, to evaluate customers' financial status.
• Typically works with ~10 Private Banking loan officers on a variety of commercial and consumer credits.
• Accurately input data from tax returns, paystubs, financials, credit reports, debt schedules, etc. into computer programs to produce an accurate financial depiction of the loan request, borrowers, and guarantors.
• Assist in the underwriting, structuring, and monitoring of a variety of loans within their assigned portfolio.
• Compile reports regarding finance and credit data.
• Manage files and records, stenography and transaction and other office procedure
• Performs other duties as assigned.

Position Requirements and Qualifications:

Education and Experience:

• Bachelor's Degree in related field such as business or finance
• Two years of financial analysis/underwriting experience preferred.

Training Requirements (licenses, programs, or certificates):

• None

Knowledge, Skills, and Abilities:

• Must be capable of handling confidential information in a trustworthy manner.
• Excellent customer service skills.
• Detail oriented and ability to function in a team environment
• Must be able to prioritize and organize daily workflow.
• Ability to apply knowledge and sound judgment in decision-making using established guidelines.
• Strong written and oral communication skills.
• Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook) and typing.
• Demonstrates ability to maintain a positive attitude.
• High level of integrity.
• Able to maintain regular and predictable attendance.
• Willing to accept new ideas and methods and be agreeable to change

Work Conditions:

• May be required to travel to training sessions or meetings.
• Extended hours will be required as needed.