Performs essential duties and responsibilities in the following areas which may include, but are not limited to those listed and are subject to change:
Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision.
Demonstrates teamwork in all interactions with co-workers and in the completion of all duties and responsibilities.
Provides the highest level of internal and external customer service.
Ensures confidentiality of member information.
Participates in community events to increase the credit unions visibility and to enhance and seek new business opportunities. Plays a vital role by participating in community service organizations and/or credit union sponsored events, on an annual basis.
Develops analysis of market, loan, borrower, and lender risks based on portfolio data.
Develops and presents analysis of risk for new loan originations to respective Commercial Lender, Executive Vice President of Commercial, and Commercial Loan Committee.
Makes underwriting decisions and risk rating assessment recommendations.
Assists the Commercial Lenders in obtaining and analyzing current financial/collateral information on existing loans for the purpose of conducting periodic reviews to determine the ongoing credit worthiness of the borrower and documents the review in the standard Annual Review format or file memo, consistent with policy requirements. Identifies emerging risk issues and trends and presents analysis to the Executive Vice President/Commercial Services and Commercial Loan Committee with recommendation.
Ensures that loan quality and compliance with State and Federal regulations and guidelines and within GreenState policies and procedures.
Prepares spreadsheets or other statement spreads for the purpose analyzing current and historical financial information.
Researches and responds to internal (co-worker) and external (member or authorized third party) requests for financial information on commercial members.
Trains and provides guidance for other Commercial Underwriters within the department.
Ensures credit presentations prepared within the department are accurate and complete.
Works with Commercial Underwriters to ensure consistency in underwriting, spreading, and loan presentations.
Act as a resource for all Commercial Services team members in order to facilitate loan processes.
Researches regulations and coordinates the drafting of policy changes, assists in staff training and development pertaining to policy and regulations.
Provides support and assistance during internal, state, and federal
Four-year college business degree required.
Minimum five years of experience underwriting commercial loans.
Ability to coordinate and prioritize complex assignments and organize work efficiently.
Excellent time management skills required to manage multiple assignments, make multiple decisions, and weigh the outcomes of those decisions, at one time.
Interpersonal skills to represent the credit union in a positive way during member contact.
Ability to deal courteously, tactfully, and efficiently with all internal and external members on a highly professional level.
Excellent figure aptitude, with accuracy and attention to detail required.
Knowledge of procedures, forms and regulations as they relate to commercial lending and deposit gathering.
Proficiency in a wide variety of personal computer software programs, including the Microsoft Office application suite.
Reports to the Commercial Underwriting Manager.
This position is not responsible for the supervision of other employees.
Equal Opportunity Employment Statement
GreenState Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
University of Iowa Community Credit Union (UICCU) is a member owned financial cooperative with 15 office locations. Since being organized in 1938, UICCU has grown to be the largest credit union in Iowa.UICCU exists to serve its members. Our "members first" philosophy has led to a national rank by independent research firm Callahan & Associates for Return of Member (ROM). This measures how effectively a financial institution returns its profits back in the form of better rates on deposits and loans. For 19 straight quarters, UICCU's ROM rank was either #1 or #2, up against more than 13,000 banks and credit unions nationwide.UICCU exists to serve the community as well. We volunteer time and donate funds to support the local organizations and charities that help our communities thrive. We provide financial education for area schools and businesses to help residents grow and make smart money decisions. To learn more about how we serve the community and individuals of modest means, click here to download our most recent Statement of Commitment. UICCU has been consistently recognized as a Des Moines Register Top Workplace and Corridor Business Journal Coolest Workplace! We also were awar...ded the Best Internal Career Pathway Award by the Corridor Business Journal in 2016 due to our Leadership Development Program, training opportunities, and high internal promotion rate! UICCU was also recently ranked #3 by the Credit Union Journal as one of the Top 45 Credit Unions in the nation to Work For!