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Commercial Underwriter

At First Community Bank, we are committed to making our community ? the places where we live and work ? a better place each day. With a true focus on "community banking," employees find that they can make an impact through company-sponsored programs such as paid volunteer time, matching gifts for charitable contributions and team participation in charitable events. Through a comprehensive wellness program, employees ? and their families ? challenge themselves to healthier lifestyles and receive the necessary motivation and tools. With over 40 locations in four states, First Community Bank offers competitive benefits and the personal service you would expect from a company that knows your community. We welcome all applicants and look forward to new colleagues joining our community!
DUTIES
The Commercial Underwriter is responsible for performing financial analysis for new and existing commercial loan customers and preparing reports that thoroughly and accurately present findings, assess the perceived level of risk, and provide recommendations to decision makers in an understandable and easy-to-read format. Other responsibilities include understanding and applying policy and regulatory guidelines, communicating with branch personnel to understand loan requests and obtain necessary information to complete reports, and participating in credit committee meetings as needed. The Commercial Underwriter also assists in tracking financial statements on file for existing customers, and assists in annual testing of financial covenants.
QUALIFICATIONS
Bachelors degree in business with a concentration in Accounting or Finance, or equivalent work experience
Prior lending or credit experience preferred
Demonstrated proficiency using Microsoft Office, primarily Word and Excel
Strong analytical and problem solving skills
Strong verbal and written communication skills
Strong attention to detail and time management skills
Ability to work in a team-oriented environment
Ability to sit at a computer for extended periods of time



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