Recognizing and valuing diversity strengthens our ability to attract retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences life experiences knowledge and talent that our associates invest in their work represents a significant part of not only our culture but our reputation and companys achievement as well.

A Centier Associate is someone who embodies a servant heart is unaccepting of anything less than remarkable service and is self-motivated and driven to deliver exceptional results.

What are our values Our Corporate values are Caring Loyalty Integrity Friendship wouldnt want to work for an AWARD-WINNING companythats built on these pillars

What about the perks Access to our Marathon Health Clinics which provide FREE visits & prescriptions Generous Paid Time Off benefit Tuition Reimbursement 401K match Associate Stock Ownership Plan Daycare Reimbursement FREE Onsite Fitness Center/Fitness Reimbursements Health and Wellness Programs the ability to have a voice with our Diversity/Equity/Inclusion Council Career Growth Work/Life Balance AND MORE.

Supervisory Responsibilities: This individual will assist in training less experienced analysts on occasion and will organize department projects when necessary.

Job Summary: An Underwriter 3 will prepare written loan analyses for new and existing loans for commercial relationships ranging from $up to the banks legal lending limit. He or she will also monitor existing loans through financial reviews and covenant testing. Underwriter III will be expected have knowledge and experience with moderately complex commercial loans. His or her experience may be concentrated in CRE or C&I but he or she should have significant experience with loan relationships larger than $5 million.

Essential Duties and Responsibilities:

• Underwriters should display independent thought to present data conclusions and recommendations taking into account the boundaries of regulations policies and guidelines.
• Collect and analyze financial information about borrowers regarding income assets and debts to determine the level of credit that is appropriate for complex commercial loan relationships.
• Prepare 10-50 page written presentations for new commercial loans and renewals. Presentations include identification of strengths and weaknesses an appropriate risk grade and recommendation regarding the loan decision. Approval will come from Loan Committee Senior Management depending on the size of relationship
• Conduct reviews of covenant compliance and periodic financial statements identifying appropriate response from the bank.
• Will need to interact with lenders (and customers on occasion) to evaluate credit worthiness of new customers potential deterioration of existing borrowers.
• Participation in meetings with Business Bankers and SVPs regarding commercial loans.
• Think independently to present data conclusions and recommendations when there may not be a predefined policy or procedure.
• Take ownership for the banks commercial loan portfolio to prevent matured delinquency payment delinquency collateral shortfalls and/or loan charge-offs.

Knowledge Skills and Abilities:

• Adept at time management to meet strict deadlines and respond to high urgency requests from Management and/or Loan Officers
• Ability to think critically and express conclusions in writing and verbally
• Aptitude for quantitative analysis working with numerous variables spreadsheets with large amounts of data identifying/summarizing patterns and trends
• Must be a quick study for new tasks procedures software/technology as well as conceptual philosophy behind a diverse set of tasks related to risk management of commercial loans.
• Strong organizational skill sets
• Strong attention to detail
• Working knowledge of Microsoft Office and financial worksheets/spreads
• Some travel required

Job Specifications/Skill Requirements:

• Must possess working knowledge of underwriting principles for moderately complex Commercial Real Estate Loans as well as some forms of specialty lending such as Land Acquisition and Development Lending Contractor Lending Hotel Lending Senior Housing Lending Municipal Lending or Non-Profit Lending.
• Bachelors Degree with significant accomplishment in finance and accounting or commensurate experience and training in credit analysis for commercial loans.
• Minimum of 5 years of commercial lending experience with an emphasis on credit and risk management.
• Prior completion of formal credit training either through ABA RMA or formal internal bank training program.

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Disability Accommodation Statement
Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank please call us at or send us an email at .

Equal Opportunity Employer/Disability/Veteran
Centier Bankis proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race color gender national origin religion age disability sexual orientation gender identity military status veteran status or any other legally protected status.

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