26 - Commercial Underwriter II

Kennebunk, ME 04043, USA Req #214
Wednesday, May 5, 2021

All incumbents will embrace our Quality Service Program which is focused on creating and fostering relationships; displaying a positive and energetic attitude; a willingness to be curious and innovative; and a commitment to safety and security.

Scope of Work

Under the general guidance of the Commercial Credit Underwriting Manager, this position performs independent financial analysis for commercial loan requests of a moderate to complex nature, within the small business and corporate segments.  Accurately summarizes underlying risk and notes any deviations from commercial loan policy.  Incumbent works with lenders to address concerns and raises level of discussions to manager as deemed necessary, ensures that work is in compliance with applicable laws, policies and regulations as detailed in the Commercial Loan Policy Manual.  Incumbent serves as a mentor to junior analysts in the department and may possess lending authority as experience warrants.  


Essential Functions (3)


Manages Pipeline through use of workflow application:

  • Adheres to established Service Level Agreements (SLAs)
  • Manages timely receipt of current financial information and other pertinent information required to form complete loan package
  • Provides proactive and on-going communication with lenders regarding the status of their loans in the department’s pipeline


Analyzes financial statements for guarantors and businesses:

  • Recognizes trends and can formulate appropriate responses regarding the feasibility of credit requests
  • Provides loan approval recommendations to the appropriate lending authority and as applicable, maintains lending authority over a level of their own work
  • Identifies and quantifies business risks as well as recognizes key drivers of risk
  • Assists with loan structuring for more complex loan requests including participations and multi-structure credit requests

Maintains various reports and updates data used to track performance

Other Duties and Responsibilities:

  • Assists with coaching, training and leading staff or other bank personnel in credit and financial analysis techniques
  • Promotes the Kennebunk Savings Brand by recommending our products and services, supporting our community focus & commitment to being a premier employer
  • Understands, supports and adheres to applicable organizational policies/procedures and state/federal regulations
  • Consistently emphasizes the importance of teamwork in the department and company at large
  • Responsible for keeping abreast of company news and information
  • Responsible for completing required training and policy review
  • May serve on various committees
  • Willingness to take on additional tasks and duties

Certifications/Licenses Required

  • Not applicable

Desired Knowledge, Skills & Abilities:

  • Knowledge of financial accounting with ability to spread and analyze financial statements/tax returns from businesses and individuals
  • Knowledge of loan programs offered by government agencies such as FAME and SBA
  • Displays high level of regard for trust and confidentiality
  • Proficient in Microsoft Office Products
  • Displays strong written and verbal communication skills
  • Displays strong organization skills and the ability to multi-task to meet established deadlines
  • Demonstrates a high level of accuracy and attention to detail
  • Effectively uses analytical skills to solve technical, as well as, non-technical problems
  • Prior knowledge of regulations within the financial services industry is preferred
  • Ability to adapt to change

 

Desired Job Experience

  • 2+ years of commercial lending/credit experience is preferred
  • Experience in a professional, service focused and fast-paced environment

Desired Education

  • Bachelor’s Degree in Accounting or Business is preferred

Working Conditions/Minimum Physical Requirements

  • Physical surroundings are generally pleasant and comfortable with minimal exposure to injury or other hazards 
  • Dexterity of hands and fingers to operate a computer and other office equipment
  • Lifting and moving of moderately heavy objects on occasion
  • Normally seated for extended periods of time
Revision date 9/18/2018

External and internal applicants, as well as position incumbents who become disabled as defined under the Americans with Disabilities Act, or Maine/New Hampshire Human Rights Commissions, must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case-by-case basis.

Other details

  • Job Family Banking
  • Pay Type Salary
  • Travel Required No
  • Required Education High School
This posting is inactive.
  • Kennebunk, ME 04043, USA