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First Security Bank · 3 weeks ago

Commercial Underwriting Manager

Missoula, MT

Full-time

Onsite

Mid, Senior Level

4+ years exp

First Security Bank is seeking a Commercial Underwriting Manager who will manage multiple credit underwriting activities and supervise the bank's commercial analyst team. The role involves ensuring timely and accurate production of credit underwriting, providing ongoing training and coaching, and monitoring the effectiveness and accuracy of the underwriting team's work.

BankingFinanceFinancial Services

Culture & Values

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

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

Support Community Reinvestment Act (CRA) through business development efforts

Position performs other duties as needed/assigned

Qualification

Financial analysisCredit underwritingBanking complianceMicrosoft applicationsCustomer serviceProfessionalismEthical behaviorQuality managementPlanningOrganizationJudgment/problem solvingMathematical skillsAnalytical thinkingNetworkingTeamworkConfidentialityAdaptabilityNegotiation

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

Teamwork: Demonstrate ability to work independently and as part of a team

Professionalism: Exhibit a professional manner in dealing with others

Ethical Behavior: Model high standard of honesty, integrity, trust, and openness

Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties

Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives

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

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

Judgment/Problem Solving: Display ability and willingness to make sound decisions

Individual Responsibility and Accountability: Accept responsibility for own work performance

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

Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation

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

Networking: Build networks of useful relationships necessary to achieve positive results