Commercial Credit Underwriter II

**Preference will be given to those with a strong AG, C&I lending background. 

Position Overview: 
The Commercial Credit Underwriter II conducts detailed financial analysis in assessing commercial business requests for working capital lines, equipment and commercial real estate. In conjunction with the credit management, position leads the approval process and ensures appropriate credit structure, conditions, and loan covenants, in a timely manner with limited direction which best meets the member’s needs while safeguarding the Credit Union from loss. This position will also call on members and prospects in partnership with banking officers as required.

Core Job / Requirements/Outcomes

• Underwrite & structure moderately complex banking relationships by preparing thorough and technically accurate loan presentation packages by researching data, underwriting all credit risks, identifying strengths, weaknesses, and mitigation of the latter. Work closely with other members of the commercial team, to develop lending strategies that meet the members needs while mitigating risks to STCU.
• Competitively structure loan terms, covenants, and conditions while mitigating risk to an acceptable level by following established procedures, guidelines, and by working collaboratively with the credit management and banking officers.
• Decision loan requests by reviewing and recommending changes to member business loan requests within delegated lending authority and present credit requests that exceed delegated lending authority to credit management with a recommendation for approval.

Other Essential Functions

• Develop and maintain positive relationships with members, co-workers, and 3rd party providers by upholding service level agreements and communicating effectively.
• Assist in the development of and maintenance of STCU’s Member Business Loan Policy, Standards and Procedures, Participation Loan Policy, and applicable regulatory requirements.
• Partner with banking officers and credit management to provide timely financial solutions to the credit unions membership.
• Ensure compliance with credit policies, standards, and procedures.
• Dedicate time for self-development and increase job skills and knowledge while participating and successfully completing professional training and credit union required courses.
• Contribute to the development of STCU’s culture and strategic vision; the achievement of organizational goals; supporting and demonstrating STCU Core Values.