Job Opportunities API

Description JOB SUMMARY Responsible for commercial loan underwriting and for providing administrative support to the Credit Administration and commercial lending functions of the Bank. DUTIES AND RESPONSIBILITIES • Prepare non-complex loan presentations for decisioning by Loan Officers, CLO, and Officers Loan Committee (OLC). • Accurately identify and document all Loan Policy exceptions and recommend a risk rating based on established procedures. • Prepare and submit for approval non-complex Annual File Reviews (AFR’s). • Track and monitor portfolio concentrations including Hotel/Motel, Participations, Tax Exempt, CRE, Storage Unit financing, and Cannabis Related Businesses. • Attend OLC meetings as needed, providing an explanation of the financial analysis on assigned credits, and act as backup for taking minutes. • Attend credit-related meetings as needed, providing an explanation of the financial analysis or taking minutes. • Routinely incorporate compliance (knowledge of applicable laws/regulations), generally accepted lending principles, and accounting basics in daily tasks. • Evaluate and analyze financial statements, personal and business tax returns, personal financial statements, borrower prepared projections, management performance, market or industry risk, capital structure, and collateral on non-complex relationships (i.e. - Investment properties, Sole Proprietorships, etc.). • Utilize the Loan Operation System (LOS) to analyze credit worthiness, discuss credit findings with lenders, and recommend options to limit risk. • Proofread written documentation (meeting minutes, loan presentations, correspondence, etc.) to ensure clarity and compliance with generally accepted grammar and spelling standards • Assist with assignments related to OLC, Credit Risk Management Committee (CRMC), Loan Review, and Audit as needed. • Satisfy financial ticklers and upload financial information into the LOS for commercial loan requests and annual file reviews. • Serve as a backup on performing due diligence functions (i.e. – NAICS, Domestic, UPI, EDR, Flood, Background, UCC searches, maturing loans, etc.) and identifying red flags, errors, or other concerns. • Promote and preserve JBT’s values and culture. • Follow Bank policy and procedure to prevent fraud and financial crimes. • Other duties as assigned.