Job Details

Job Description Job Description Position Summary:Responsible for underwriting new and existing loans for the Corporate Banking team. Assist teams in portfolio management activities. Ensures portfolio achieves soundness, profitability, and growth objectives.Skills and Experience:2+ years' credit and work experience related to various aspects of middle market bankingMust be able to spread, analyze, and interpret complex financial statementsMust be able to prepare stress projection models and analyze relevant financial and covenant ratiosMust be able to identify and address strengths and weaknesses and risk and mitigants embedded in loan requestsMust be able to prepare credit memos/reports as part of the credit approval processProficient knowledge of credit policy, banking regulations, and loan documentation issues is requiredMust have excellent interpersonal and communication skillsMust be able to verbally communicate effectively one-to-one and in groupsMust be able to write clearly and effectivelyMust be able to develop and maintain cohesive, cooperative working relationship with co-workersMust have good personal organization and time management skillsMust understand and work effectively within the credit culture of the companyMust allocate time effectively and independently prioritize workload to meet timelinesGood mathematics, reading comprehension and writing skillsParticipate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.Qualifications:To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Support Corporate Bankers in managing existing and developing new client relationshipsAssist the team in qualifying new loan requests with early-stage due diligence activitiesAssist in the underwriting process for new clients (analytics, valuation models, industry research)Lead the underwriting of existing client renewals, loan modifications and periodic credit reviewsPrepare credit approval memos and related documents for use in the credit approval processAssist in monitoring individual client accounts to include loan covenant validation, trend analysisAssist in training and coaching new underwriters and new team membersContinue to grow in understanding complex transactions and related risk (credit, market, operations, legal/compliance, etc.)Special projects as neededEducation and Experience:Bachelor's degree in Business, Finance, Accounting, or related fieldMinimum of two (2) years of credit and underwriting experience, preferably in Middle MarketAbility to respond to common inquiries from internal clients, regulatory agencies, and employeesAdvanced knowledge of related state/federal banking compliance regulations, and other Bank operational policiesIntermediate skills in computer terminal and personal computer operation, including use of word, excel, and officeAdvanced math skillsEffective verbal, written and interpersonal communication skillsAbility to deal with difficult problems involving multiple facets and variables in non-standardized situations.Effective organizational and time management skillsPosition Type:This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.Direct Reports:NoneTravel:Some travel between Third Coast Bank offices may be required.