• Credit underwriting duties primarily include Annual Term loan Reviews, relatively complex new credits up to $15MM, and renewal credits up to $20MM. • Credit underwriting loans with slightly higher credit risk profiles (i.e. construction and monitored lines of credit). • Additional supporting roles in Credit Administration (i.e. monitored lines of credit, concentration reporting, appraisal review, etc.) • Analyze financial data such as balance sheets, income statements, tax returns, income growth, quality of management, market share, appraisals, entity structures, and overall borrower business plans in order to make recommendations with regards to credits. • Includes analyzing credit information from other sources, lenders, and credit reporting agencies. • Prepare credit submissions to Credit Administration with recommendations for approval. • Research and examine credit risks, assess credit history, and express reasons for support of extension, or denials of credit. • Conduct on-going verification and regular tracking of customer’s credit quality through periodic review of collateral values, valuation dates and methodology, credit reports and supplier checks, tracking and analysis of required financial information and any other approval conditions. • Support and enable front-line staff with call preparation with analysis such as industry benchmarks and questions relevant to the prospect. • Ensure timely line and/or loan renewals to prevent expirations. • Notify appropriate lending personnel about up-coming maturities, ticklers and required documentation. • Partner with processors to ensure loan documentation is consistent with requirements provided by credit authorizations. • Identify title, insurance, zoning, entity and other issues requiring attention prior to approval. • Maintain credit files. • Prepare checklists and maintain authorizations and documentation. • Prepare analyses with projections and other justifications to check or reset loan covenants based on performance of credit and/or financials of borrower and/or guarantor. • Perform additional duties as assigned. • Follow and comply with all regulatory and compliance regulations.