Commercial Business Banking Underwriter

Nevada State Bank a division of Zions Bancorporation N.A. was founded on Dec. 9 1959 by 12 businessmen full of Nevadas pioneering spirit. As a full-service bank we offer a complete range of consumer private and business banking services. Our colleagues regularly volunteer in their communities and have been dedicated to helping make Nevada a better place to live for more than 60 years. By embracing the banks Core Values of extraordinary service adaptability teamwork communication development accountability community and respectwe have built a culture of service and engagement. NSB has a commitment to career development through tuition reimbursement and continuous learning opportunities in addition to other competitive benefit offerings. We offer medical benefits on day one 401k matching and paid holidays. With a strong belief in diversity equity and inclusion NSB offers several colleague-led diversity forums with the intent to ensure representation and cultural sharing among our colleagues. At Nevada State Bank we truly believe that it matters WHO you work with.

We are now accepting applications for an Underwriterto join our team. Position is located at our corporate office in Las Vegas NV and is fully in office.

Essential Functions:

• Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads cash flow value of related collateral appraisals audits and other data. Interprets outcome of analysis and prepares summary recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted.

• Responsible for evaluating analyzing and forming opinions for the approving or denying of commercial commercial RE and/or business banking loan applications.

• Responsible for spreading financial statements identifying credit strengths and weaknesses providing detailed and documented analysis of credit worthiness.

• Ensures credit requests are processed in accordance with bank policies banking regulations and laws.

• Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.

• Responds to internal and external customer inquiries.

• Recommends exceptions based on findings.

Qualifications:

• Requires a Bachelors in Finance Business Accounting or a related field and 1 year commercial commercial real estate credit or business banking underwriting spread analysis lending underwriting concepts practices and procedures or other directly related experience. A combination of education and experience may meet qualifications.

• Basic knowledge of commercial commercial RE and/or business banking credit underwriting spread analysis lending underwriting concepts practices and procedures.

• Basic knowledge of Business C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.

• Knowledge of balance sheets income and cash flow statements.

• Good understanding of commercial and/or business banking lending policies and procedures and general banking laws and regulations.

• Ability to analysis and research financial statements business plans credit reports debt ratios and loan to value information.

• Possess good judgment ability to make sound decisions.

• Ability to accept responsibility and handle confidential information.

• Must have good customer relations and communication skills.

• Must be a self-starter dependable accurate in completing responsibilities with strong attention to detail and organizational skills.

• Working knowledge of a various related software applications including spreadsheets word processing etc.

Benefits:

Medical Dental and Vision Insurance - START DAY ONE!

Life and Disability Insurance Paid Parental Leave and Adoption Assistance

Health Savings (HSA) Flexible Spending (FSA) and dependent care accounts

Paid Training Paid Time Off (PTO) and 13 Paid Holidays (includes Nevada Day & Family Day)

401(k) plan with company match Profit Sharing competitive compensation in line with work experience

Mental health benefits including coaching and therapy sessions

Tuition Reimbursement for qualifying employees

Employee Ambassador preferred banking products

Pay range (depending on experience): $70000 - $80000/Annual Salary