Position PurposeAssumes responsibility for advanced commercial credit underwriting and analysis.- Independently underwrites complex commercial loan requests, including new originations, renewals, modifications, and extensions.
- Analyzes borrower financial statements, tax returns, cash flow, global debt service coverage, collateral valuation, guarantor strength, and industry risk.
- Structures credit facilities to mitigate risk, including covenants, collateral requirements, guarantees, and loan conditions.
- Conducts in-depth analysis of income-producing real estate, construction lending, and business operating loans in accordance with REV FCU lending policy.
- Performs site inspections and borrower interviews as required to support underwriting conclusions.
Supports commercial lending decision-making and governance.
- Prepares clear, well-supported written credit memorandums with risk ratings and recommendations.
- Presents loan requests to the Business Loan Committee and provides expert credit guidance.
- Recommends approvals, counteroffers, or declines within established lending authority and policy limits.
- Assists with waiver requests and policy exceptions for Board or committee consideration.
- Provides subject-matter expertise on complex or higher-risk credits.
Assumes responsibility for ongoing portfolio credit quality and risk management.- Conducts annual reviews and ongoing credit monitoring for the overall commercial portfolio.
- Identifies emerging credit risk, trends, and early warning signs within the portfolio.
- Participates in loan downgrades, risk rating adjustments, and problem loan strategies.
- Ensures appropriate documentation and credit support for long-term or complex credit structures.
Ensures compliance with lending policy and regulatory standards.- Ensures underwriting decisions comply with internal lending policies, NCUA regulations, and safe and sound banking practices.
- Supports internal audits, external audits, and regulatory examinations by providing underwriting documentation and explanations.
- Maintains thorough, accurate, and well-documented credit files.
Serves as a senior credit resource and collaborator. - Provides guidance and support to relationship managers, processors, and the underwriting team regarding credit structure and risk considerations.
- Assists in the development, refinement, and interpretation of commercial lending policies and procedures.
- Participates in meetings and committees as required, including the Business Loan Committee.
Supports reporting and special projects.- Contributes to monthly and quarterly reports as needed.
- Assists with special projects related to portfolio analysis, stress testing, policy updates, or program enhancements.
- Supports the efforts to sell loan participations, which may include loading them to the participation portal, document execution, and ensuring annual reviews are timely and submitted to participating lenders.
- Remains current on changes in commercial lending, underwriting standards, and regulatory guidance.
Skills & QualificationsExperience Required:- Minimum of seven years of progressive commercial lending or underwriting experience.
- Demonstrated experience underwriting complex commercial and real estate credits.
- Experience presenting credit recommendations to loan committees or senior leadership.
- Experience with problem loan identification and resolution preferred.
Skills/Abilities:- Expert financial analysis and cash flow modeling skills.
- Strong written and verbal communication abilities.
- Experience with Abrigo and Built software a plus
- High level of independent judgment and attention to detail.
- Ability to balance growth objectives with prudent risk management.
- Professional demeanor when working with internal partners, borrowers, and regulators.
