<p>Responsibilities include but are not limited to:</p> <ul> <li>Prepares a full credit package for complex loan requests generally involving loan exposure in excess of $10 million, which shall include an in depth high quality credit analysis covering financial analysis, cash flow analysis, collateral assessment, evaluation of repayment sources, assessment of the loan structure and assignment of a risk rating. </li><li>Performs global analysis of large exposure customers within the commercial loan portfolio with duties including: </li><li>Gathering data via collaborative efforts with loan officers and/or customers for large exposure global reviews. Such information shall include global cash flows, financial statements, tax returns and K-1 schedules as well as credit files, officer's memos and appraisal reports. </li><li>Analysis of data gathered to identify and assess trends, issues and concentrations within the customer relationship. </li><li>Preparation of high quality, well written reports assessing risk exposure, credit quality and risk outlook within each large exposure relationship. </li><li>Assists the Team Leader in the supervision of junior members of the team by providing training and guidance to the staff. </li><li>Ensures loan structure is consistent with Loan Policy. </li><li>Identifies credit policy exceptions and incorporates suitable mitigants into the credit package. </li><li>Proactively communicates with Loan Officers during the underwriting process. </li><li>Conducts and participates in customer meetings/conference calls. </li><li>Participates in department projects as requested. </li></ul> <p>Required Skills:</p> <ul> <li>Strong knowledge of financial accounting. </li><li>Thorough understanding of commercial credit and strong credit quality skills including accounting, financial statement analysis and cash flow analysis experience. </li><li>Strong analytical and problem solving skills. </li><li>Strong organizational skills with attention to detail. </li><li>Excellent communication skills: express ideas and convey technical information in writing and verbally. </li><li>Proficient in Microsoft Word and Excel and performing internet searches. </li><li>Ability to work in a fast paced environment and move quickly through assignments to ensure deadlines are met. </li><li>Ability to work effectively with individuals and groups to manage internal and external customer relationships. </li><li>Thorough understanding of risk and consequences of errors in formulating decisions and providing direction to others. </li></ul> <p>Required Experience:</p> <ul> <li>High School Diploma or GED and a minimum of three (3) years of experience in underwriting commercial loan and or commercial real estate deals or three (3) years of VNB credit underwriting experience combined with the completion of formal training. </li><li>Bachelors Degree preferred. </li></ul>