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Bryant Bank · 5 months ago

Credit Underwriter

Tuscaloosa, AL, USA

Full-time

Onsite

Entry, Mid Level

1+ years exp

Bryant Bank is a financial institution seeking a Credit Underwriter to evaluate loan applications and assess credit risk. The role involves analyzing financial statements and credit reports, making lending decisions, and collaborating with internal teams to support the bank's lending objectives.

BankingCommunitiesFinancial Services

Responsibilities

Review and evaluate loan applications, financial statements, and credit reports to assess the credit risk of potential borrowers and determine their eligibility for credit

Conduct thorough assessments of borrower creditworthiness, using financial ratios, historical data, and qualitative information to ensure accurate lending decisions

Assess the adequacy and value of collateral to determine appropriate loan structures, ensuring that risk exposure is minimized

Prepare well-documented credit memos with detailed assessments, presenting clear recommendations for loan approvals or rejections to management

Ensure all credit decisions comply with the bank’s internal lending policies, procedures, and relevant regulatory requirements

Work closely with relationship managers, loan officers, and other departments to collect necessary information, discuss loan proposals, and resolve issues

Identify emerging risks in lending and recommend proactive measures to minimize potential losses

Stay up-to-date on market conditions, economic trends, and regulatory changes affecting lending and underwriting processes

Qualification

Credit analysisFinancial statement analysisBanking regulationsFinancial modelingMicrosoft Office SuiteAnalytical skillsSelf-managementCustomer serviceOrganizational awarenessProblem-solving skillsDecision-making skillsCommunication skillsAttention to detailCollaboration

Required

Bachelor's degree in Finance, Accounting, Economics, or a related field and 1-2 years of related experience required

Preferred

3-5 years of experience in credit analysis or underwriting within a banking environment preferred

Certification in Credit Risk (e.g., CRISC, FRM) or similar professional certifications

Experience working with loan products or in specialized industries such as real estate, manufacturing, etc

Company

Bryant Bank

Bryant Bank is a full service community bank operating out of Alabama.

Founded in 2005

Tuscaloosa, Alabama, USA

201-500 employees

http://bryantbank.com

Funding

Current Stage

Growth Stage

Leadership Team

Mike Mitchell

Executive Vice President / Chief Credit Officer

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