Complete financial analysis and investigation on both corporate & personal borrowers and guarantors for the evaluation of credit risks & viability associated with all types of new commercial loan requests
Analyze and underwrite new and renewed loan requests within the departmental turnaround guidelines
Evaluate the requested deal structure and independently determine the appropriateness of terms presented to determine the viability of the request
Meet with customers with the RMs on complicated domestic loans to ensure direct communication of all financial trends and terms requested
Demonstrate a thorough understanding of working capital analysis and global cash flow
Serve as a subject matter expert in loan originations applying strong knowledge of mortgage processes and underwriting principles to optimize workflows and data accuracy.
Responsibilities
Deliver deep domain expertise in loan originations by analyzing end to end application data and documenting insights that improve credit decision quality and operational efficiency
Provide detailed portfolio and pipeline analysis using advanced MS Excel functions to identify data patterns risks and opportunities for process optimization
Execute thorough review of loan files against defined credit policies and regulatory standards to support accurate and compliant underwriting outcomes
Coordinate closely with cross functional operations and credit teams in the office during night shift to ensure smooth handoffs and timely closure of loan origination activities
Monitor data quality in source systems by validating key fields such as income collateral and repayment indicators and then recommending corrective actions to maintain integrity
Requirements
Microsoft Office Specialist Excel or equivalent advanced Excel certification
Building and nurturing relationships with community leaders to help small businesses secure capital, including credit analysis and loan term structuring.
Locations (2)
Spartanburg, South Carolina, United States
Rock Hill, South Carolina, United States
Responsibilities
Build and nurture relationships with community leaders and referral partners
Represent the organization at community events, meetings, and networking opportunities
Meet with prospective borrowers to understand their goals and funding needs
Collect and review financial documents to support sound lending decisions
Develop and manage small business relationships, originating loans up to $500,000, managing portfolios, and expanding deposit and cash management services.
Responsibilities
Develop new small business relationships and maintain a pipeline of lending and deposit opportunities
Originate, structure, and manage business loans up to $500,000
Analyze financial statements, tax returns, cash flow, and collateral to evaluate creditworthiness
Manage an assigned portfolio of business relationships through monitoring and reviews
Grow operating deposits and deepen product penetration
Requirements
BA/BS in Business, Finance, Accounting or related field
Responsible for managing a portfolio of commercial loans and underwriting transactions, monitoring financial statements, and interacting with clients to assess borrower performance and risk.
Compensation
Total Base Pay Range 71,100.00 - 145,900.00 USD Annual
Responsibilities
Maintain an independent view on creditworthiness of each client
Conduct periodic deal reviews and execute decisions to renew or modify deals
Work closely with Credit Risk, Senior Portfolio Managers and Relationship Managers to manage bank exposure
Analyze historical financials and projections for accurate risk ratings
Manage underwriting, approval and documentation process for transactions
Requirements
Bachelor’s degree in Finance, Business Administration, or related field
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