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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
Company


Business Banking
Underwriter


EEO is the Law


 


Summary


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
owners/principals.  


 


Functions




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




  • Complexity of
    underwriting, functions may include:






  1. reviewing financial
    statements




  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
    reviews;




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




  8. explaining rationale
    behind credit decisions.





Job Requirements






Education



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






Experience





  • 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
    parameters




  • 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.