Senior Credit Underwriter III

Description

About The Farmers Bank:

At The Farmers Bank, we truly believe that by supporting our communities, we make them a better place to live where we do business. Being the leader in Clinton County for nearly 150 years, The Farmers Bank delivers “Community banking with a capital C!” This is all done through a commitment to serving our customers and ensuring we have the right people in the right seats here at the bank. We continue to expand our footprint, reaching into other counties to bring The Farmers Bank Way to those communities and in doing so, need talented employees to help us make that happen. 

Job   Summary  

This position analyzes financial statements,   gathers data from third parties, and creates approval documents for approval   by Commercial Banking Officers, Credit Administration, and internal loan   committees. This position mentors Credit Administration teammates. This   position also assists with credit requests for the residential mortgage and   retail lending teams. This position will champion the overall processes and   functions of Credit Administration and directly support the SVP/CCO and   Special Asset Officer.

Job Responsibilities 

1. Analyze commercial credit requests (40%)

2. Maintain commercial loan portfolio (20%)

3. Underwrite consumer and residential mortgage requests (10%)

4. Develop credit team (10%)

5. Create loan packet and attend committees (10%)

6. Review real estate appraisals (5%)

7. Create Credit Department analytics and reporting (5%)

8. Other Duties as Assigned.

Requirements

Competencies Required

1. Leadership: ability to understand processes and   peoples’ abilities and motivations, and to leverage them to help achieve a   goal

-Set a positive example for members of our team and for all   members of TFB

- Make decision with primary focuses being the maintaining of TFB   credit standards and the developing of Credit teammates

2. Analytical Skills: ability to gather and analyze information   and problem-solve to reach a meaningful conclusion

- Ability to understand the issues   being raised and offer direction

- Seek to comprehend the data   being presented and the ‘why’ behind the process

3. Attention to Detail: efficiently allocate   your cognitive resources to achieve thoroughness and accuracy when  accomplishing tasks, no matter how small or large

- Improving efficiency and performance of the team by avoiding   re-work

- Being precise when tracking processes and creating work product

4. Customer Relations: ability to   professionally interact with external and internal clients

a. Shown ability to react to   customers’ issues or concern and preserving the relationship

b. Shown ability to proactively   advocate to adjust our processes and procedures in order to help deepen our   relationships and improve our customer’s ability to perform

5. Teamwork & Cooperation: works well   with others during conversations, projects, meetings or other collaborations

a. Accept responsibility for the performance of the team

b. Communicate in a clear, personable, professional manner

c. Maintain an awareness of team dynamics and act to improve the  team’s performance