Apply on Employer Site

First Security Bank of Missoula · 20 minutes ago

Commercial Underwriting Manager

Missoula, MT

Full-time

Onsite

Mid, Senior Level

4+ years exp

First Security Bank of Missoula is seeking a Commercial Underwriting Manager who will manage the credit underwriting activities and supervise the commercial analyst team. The role involves ensuring timely and accurate credit underwriting, providing training and coaching to the team, and collaborating with Credit Administration and Commercial Lending.

BankingFinancial ServicesSecurity

No H1B

Responsibilities

Serve as the supervisor and primary leader/trainer for the commercial underwriting team

Actively monitors workflow of the team and provides coordination of assignments to efficiently produce deliverables for the commercial lending team and other stakeholders

Coordinate existing and anticipated workflow with commercial lending team through active communication and shared reporting

Ensure all current or anticipated training needs are met, providing direct coaching or support from outside resources. The UM will be responsible for continuously monitoring the effectiveness and accuracy of the underwriting team’s work compared to both internal and external expectations of quality

Monitor performance metrics of underwriting team (turn time, accuracy, volume, etc.) and provide ongoing reporting to all stakeholders. This data should be used to identify areas for possible improvement, balance expectations amongst stakeholders, and drive overall business strategy for the team

Conduct annual employee reviews, provide constructive feedback, set goals, and recognize achievements

Maintain a thorough understanding of credit policy and lending procedures, sufficient to be a subject matter expert for their direct reports and other bank partners

As a producing manager, preparing credit authorizations of the highest quality with limited revisions is expected. Responsible for ensuring similar accuracy underwriting products by completing a comprehensive review of all analysis done by the team. Work with Credit Administration to determine accuracy/quality metrics that are most appropriate

Ensure timely completion of underwriting requests completed by the team. Establish a general framework for processing times of each request type (spreads only, term loan review, full underwriting, etc.) that is mutually agreeable to all stakeholders. Performance to these expectations will be a primary measurement of the UM’s effectiveness

Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer’s personal and financial information

Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse training courses and achieve a passing score by due date

Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs

Display excellent customer service with both internal and external clients. Embody First Security Bank’s 'Welcome' tenets: Warm - Demonstrate warmth; be genuine and approachable; Engage - Engage with teammates and customers; be present in every interaction; Listen - Actively listen to employees and clients; Connect - Build relationships, connect with the community and teams; Opportunity - Seek out opportunities to serve others; Modify - Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate; Experience - Create a true experience for the client by providing exceptional customer service on their financial journey

Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers

Support Community Reinvestment Act (CRA) through business development efforts

Position performs other duties as needed/assigned

Qualification

Financial AnalysisUnderwriting MethodologiesCredit Policy KnowledgeMicrosoft ApplicationsMathematical SkillsCustomer ServiceProfessionalismEthical BehaviorQuality ManagementPlanningOrganizationJudgment/Problem SolvingAnalytical ThinkingNetworkingTeamworkConfidentialityAdaptabilityIndividual ResponsibilityNegotiation

Required

Four to six years of similar or related experience to include preparatory experience

A bachelor's degree in business, accounting, finance, or related field is required

Must possess current, valid driver's license

Knowledge of banking compliance regulations and guidelines related to area of responsibility

Working knowledge of standard office equipment

Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications

Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques

Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner

Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers

Demonstrate ability to work independently and as part of a team

Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships

Model high standard of honesty, integrity, trust, and openness

Maintain strict confidentiality regarding any information obtained during performing job duties

Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality

Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude

Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames

Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner

Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others

Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis

Develop feasible solutions based on logical and reasonable assumptions and factual observation

Negotiate with, convince, or influence others to take a course of action to achieve a specific result

Build networks of useful relationships necessary to achieve positive results

Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise

Must be capable of up to 25% travel by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation

Must be capable of regular, reliable and timely attendance

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators

Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary

Must be capable of climbing / descending stairs in an emergency situation

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects, including the human body

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes