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Business Banking Underwriter - 821 - Macon GA

Company: N/A

Location: Macon, GA

Pay: N/A

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Job Description

State Bank and Trust

Business Banking

EEO is the Law



The Business Banking Underwriter ensures that State Bank only
lends to responsible or financially capable individuals; required to research,
analyze, and interpret a number of financial reports for businesses, their



  • Responsible for
    reviewing, analyzing, approving and underwriting business banking loans within
    company and industry guidelines. 

  • Complexity of
    underwriting, functions may include:

  1. reviewing financial

  2. applicable ratios (i.e.
    debt ratios, loan-to-value);

  3. examining transactions
    to ensure accuracy and completeness;

  4. ensuring that documents
    are consistent and uphold to company and industry guidelines;

  5. implementing fraud
    detection techniques

  6. performing compliance

  7. assisting with
    re-negotiations of loans based on lending guidelines;

  8. explaining rationale
    behind credit decisions.

Job Requirements


Bachelor's degree (B. A.) from four-year college or university.


  • Minimum five years prior
    banking experience with at least two years in business banking underwriting in
    a decision making capacity; having worked in a centralized lending environment
    a plus.

  • Relevant background in
    loan compliance and centralized business banking underwriting 

  • Knowledge of all
    deposit, investment and loan products including mortgage a plus.

  • Ability to work in a
    structured environment where creativity is encouraged within well defined

  • Proven track record in
    working with all levels of senior management.


Visit our website www.statebt.com to apply for all positions you may qualify for.

Employment at Will

Employment with State Bank & Trust is "at-will."
This means that you or the Bank may terminate your employment at any time with
or without notice or cause.

Employment Eligibility Verification

Employees are required to present proof of identity and
eligibility to work in the U.S.  State
Bank participates in E Verify.