Credit Underwriter

Job description

Job DetailsJob Location: Cahaba Village Branch - Birmingham, AL 35243Education Level: 4 Year DegreeJob Category: BankingJob Title: Credit Underwriter Position Summary: The Credit Underwriter will be responsible for evaluating loan applications, assessing credit risk, and making informed lending decisions in accordance with the bank's policies, regulatory requirements, and risk tolerance. This role involves analyzing financial statements, credit reports, and collateral to ensure that lending decisions align with the bank’s standards. The Credit Underwriter will collaborate with relationship managers and other departments to ensure smooth processing and mitigate risks while supporting the bank’s lending objectives. Essential Duties and 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...