To be effective an individual must be able to perform each job duty successfully:

• Underwritestraditionalcommercial loans; prepares credit presentations documenting creditanalysesandrecommendationfor creditdecisiontoapprovingauthority.

• Preparestimelyconciseandaccuratecreditrecommendations with supervision.Includes: (1) quantitative components within the underwriting narrative; (2) accurate use of risk rating scoringmatrix both quantitative and qualitative rating elements to ensure loans are properly risk-rated;and(3) accurate identificationand mitigation ofrisk includingallpolicy exceptions procedures and compliance regulations.

• Hasa general understandingof underwriting processes perMACU standards.

• Understands anddemonstratesgoodwritten communicationrelating to creditpresentationsaddendumsand otherrelatedforms of written communication.

• Analyzes repayment ability including business and personal cash flow.

• As applicable performsfinancial ratio analysiscomparativeto industry standards.

• Performs financial stress testing analysis.

• Reviews and interprets personal and as applicablebusiness credit reports.

• Prepares commitment letters.

• Reviews professionalcommercialreal estate appraisalsand associated third party reviews.

• Reviews professional environmental reports and assessesenvironmentalrisk.

• Analyzes commercial leasesand orrent rolls.

• Assistswith satisfying loanclosing requirements.

• Reviews annual financials on existing loans and analyzes the risks associated with the borrowers financial condition recommending risk-rating changes whereappropriate.

• Ensuresregular communication through the origination process with loan officersmanagementand team members.

• Supports team members to ensure excellent member service both internally and externally.

• Managesup tothreeloanrequestsat a given time.

• Works together withteam memberstoaccomplishmonthlyquarterlyand annual goals.

• Maintains working knowledge ofMACUpolicies and procedures adhering to industry lending regulations.

• Performs other duties as assigned.

KNOWLEDGE SKILLS and ABILITIES

The requirements listed are representative of the knowledge skills and/or abilities. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

One totwoyearslendingexperiencein a progressive financial setting working in acommercialsetting preferred.

Education

Two-yeardegree from an accredited institution in business finance economics or related fieldor equivalent related lending/financial experience. Education will be verified.

Licenses Certifications Registrations

N/A

Managerial Responsibility

Hasno supervisory/managerial responsibilities.

Computer/Office Equipment Skills

• Experience with financial reporting or tax analysis softwarepreferred.

• Intermediate skills with Microsoft Office Suite including Outlook Word and Excel.

Language Skills

• Abilityto clearly express ideasmethodologyresultsand recommendations verbally in writing and through insightful reports and graphic illustrations.

• Ability to present information in a mannerappropriate forkey stakeholders and all levels of the organization.

• Strong writing and grammatical skills relating to preparing credit memos addendums memorandums and all forms of written communication.

Other Skills and Abilities

• Unquestioned personal and professional integrity.

• Ability to work both autonomously and collaborativelyin a fast-paced environment.

• Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines.

• Adaptive to change responds positively to altered circumstances or conditions.

• Possess a desire and willingness to learn and continually update knowledgebaseon financial concepts strategiessystemsetc.

• Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.

• Dataanalytics and data validation skills andproficiencyin business data analysis (MS Excel etc.).

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit talk and hear consistently

Ability to stand walk and use hands to handle or reach occasionally

Vision Requirements

Close vision (clear visionat 20 inches or less)

Distance vision (clear visionat 20 feet or more)

Weight Lifted or Force Exerted

Ability tolift upto 10 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers light traffic)