Commercial / Business Banking Underwriter : Ames, IA

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. May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables. May have authority to approve loans beyond the organizations guidelines. Senior most level may function as a lead and be responsible for second level approvals. Other duties as assigned.