United Community Banks

Senior Middle Ticket Underwriter

United Community Banks • $68K — $113K *
Ponte Vedra Beach, FL 32082In-Person
Finance & Insurance
5 - 7 years of experience
3 weeks ago
Job Overview by Ladders

Qualifications

  • 4-year degree or 5+ years relevant experience required.
  • Strong skills in Excel and financial modeling.
  • Experience in equipment leasing or loan industry necessary.
  • Prior experience with franchise lending is advantageous.
  • High attention to detail and organizational skills needed.
  • Effective communication skills for difficult conversations are essential.
  • Ability to synthesize complex information and make sound judgments.

Responsibilities

  • Analyze financial statements and credit reports to assess creditworthiness.
  • Complete financial spreads and documentation in line with company policies.
  • Make credit decisions and recommendations for committee review as necessary.
  • Collaborate with Sales to identify additional credit information needs.
  • Recommend updates to credit guidelines for improved efficiency.
  • Finish assignments within set deadlines.

Benefits

  • Opportunity for professional growth and advancement.
  • Dynamic team environment encouraging collaboration.
  • Direct interaction with upper management and strategic decision-making.
  • Involvement in developing and refining company credit policies.
  • Full-time, dedicated position emphasizing stability.
Full Job Description
Overview

Reporting to the Chief Credit Officer, the Senior Middle Ticket Underwriter is responsible for evaluating and making credit decisions on new business transactions in alignment with Navitas' credit policies. This role also partners closely with Sales to support deal flow while maintaining sound credit standards.

What You'll Do

  • Analyze financial statements, tax returns, personal credit reports, Dun & Bradstreet reports and other third party information to determine the borrower's creditworthiness.
  • Complete financial spreads and PD templates as required by Navitas' credit policies.
  • Make credit decisions on transactions within assigned credit authority and make recommendations on transactions requiring local Credit Committee approval or UCBI Bank approval.
  • Correspond and interact with Sales personnel to communicate the need for additional credit information as well as communicating justification for decisions.
  • Recommend changes to Navitas' credit guidelines as needed to ensure maximum efficiency while maintaining sound credit decisions.
  • Complete assignments within due dates, if applicable.


Requirements For Success

  • 4-year College or University degree preferred, or 5+ years related experience and/or training, or equivalent combination of education and experience.
  • Computer skills required: Excel spreadsheets
  • Previous equipment leasing/loan industry experience required.
  • Prior franchise lending experience is a plus.
  • Strong analytical and problem-solving abilities
  • Excellent mathematical and financial modeling skills
  • Highly organized with exceptional attention to detail
  • Ability to prioritize, multitask, and work efficiently under tight deadlines
  • Sound judgment in complex and non-standard scenarios
  • Effective communication skills, including delivering difficult decisions professionally
  • Ability to collaborate across teams and manage competing stakeholder needs


Conditions of Employment

  • Must be able to pass a criminal background & credit check
  • This is a full-time, non-remote position

FLSA Status:
  • Non-Exempt

Ready to take your career to the next level? Apply now and become a vital part of our team!

Pay Range

USD $68,287.00 - USD $113,209.00 /Yr.

About United Community Banks

United Community Banks, Inc. is a bank holding company based in Blairsville, Georgia, United States. The company operates 150 banking offices in Georgia, North Carolina, South Carolina and Tennessee. The bank provides personal banking, business banking, corporate banking, wealth management, and mortgage services. United Community Banks, Inc. was founded in 1950 and has grown through a series of mergers and acquisitions. The company is publicly traded on the NASDAQ stock exchange under the ticker symbol UCBI.
Learn more about United Community Banks
Size
2,893 employees
Market Cap
$3.5 billion
Industry
Finance & Insurance
Net Income
$164 million
5 Year Trend
+11.6%
NASDAQ
UCBI
* Ladders Estimates

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