Location
Fredericksburg, VA | United States
Job description
Shore United Bank is seeking a Commercial Underwriter III to join our team. As a Commercial Underwriter, you are r esponsible for underwriting moderately complex to complex commercial loans and performing administrative duties as part of the credit analysis function.
Essential Functions:
- Receives data on prospective and active borrowing accounts, i.e., financial statements, agency reports, and interview and investigation sheets
- Analyzes data and evaluates the short- and long-run prospects of the individual, company, or real estate project.
- May make recommendations to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations
- May suggest a loan grade after conducting a thorough credit analysis and documentation review
- Provides thorough documentation of all financial analysis work, including ratios and other related information.
- Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
- Ability to work independently and produce an analysis that requires minimal if any review or revision.
- Coordinates work within the department, as well as with other departments;
- Achieves goals as established in the assigned department's annual operating plan
Position Type/Expected Hours of Work:
- This is a full-time, exempt position, Monday through Friday.
Required Education and Experience:
- Bachelor’s degree in a business-related field of study preferred OR three to five years' related experience
- Experience with financial analysis
- Minimum of three years' related experience in credit required
Company Benefits:
- Join a family and community-oriented workplace that offers a team environment, along with a collaborative and friendly place to work
- Comprehensive benefits package including health, dental, vision, short-term and long-term disability, long-term care insurance, company paid life insurance, and much more!
- Paid parental leave
- 401k savings plan with up to a 4% company match
- Employee perks such as: employee banking services, loan discount program, tuition reimbursement, career development program, Employee Assistance Program, and wellness initiatives.
- Opportunity for growth and advancement
- Paid training program and continuous training sessions throughout the year on various topics
- Generous paid time off and paid sick time
- Community involvement opportunities
Shore United Bank is a full-service community bank with a rich history dating back to 1876. In excess of $6 billion in assets, we offer innovative financial services delivered with the personal touch you expect from a community bank. We serve a broad geographic area with branches in Maryland, Delaware, and Virginia, and we also provide a comprehensive suite of digital banking services that allow you to bank with us no matter where life takes you.
In addition to banking, we offer trust and wealth management services through Wye Financial & Trust, a division of Shore United Bank. Together, our team of experienced professionals is dedicated to helping you achieve your financial goals.
Shore United Bank: Good things are happening here. ®
Shore United Bank is an Affirmative Action/Equal Opportunity Employer. Shore United Bank is an E-Verify participant.
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