Corporate Lending Officer- Commercial Underwriter, Owensboro, KY at ADP

The Corporate Lending Officer reviews credit data and evaluates commercial loan requests with a high level of expertise to aid in the credit approval process with the goal of maximizing bank profits and minimize the risk of loss.

• Analyzes credit data, financial statements and other financial information to determine the degree of risk involved in extending credit or lending money on commercial loans and to access proper pricing and structure for said loans

• Maintains a strong working knowledge of the bank's loan policies/philosophy, pertinent operating procedures and loan regulations

• Provides assistance and support to Senior Lenders to determine strengths and weaknesses of a commercial credit

Required/Preferred

Education Level

Description

Required

High School or GED

Preferred

Associate Degree

Finance, accounting or related field

Preferred

Bachelors Degree

Finance, accounting or related field

Minimum

Comments

2

Commercial Underwriting experience or basic understanding of retail loan banking terminology/products/services

Required/Preferred

License / Certification

Description

• Ability to make decisions independently

• Critical thinking skills

• Strong interpersonal skills

• Strong numerical abilities

• Time management

• Customer service skills

• Ability to multi-task, prioritize and meet deadlines

• Active listening and communication skills

• Accuracy and attention to detail

• Complex problem-solving and judgment

Indoors, environmentally controlled. Usual office working conditions. The noise level in the work environment is typical of most office environments with telephones, personal interruptions, and background noises.

Occasional travel may include outdoor, uncontrolled environmental conditions, including rain, sleet, ice, snow, extreme heat or cold temperatures.

Requirement

Frequency

Never or Rarely

Position requires incumbents to be off work for a minimum of five consecutive business days

Requirement

Frequency

Sitting (remaining in a seated position)

Constantly

Standing (remaining on one’s feet in an upright position without moving about)

Occasionally

Walking (moving about on one’s feet)

Occasionally

Lifting (raising or lowering an object from one level to another)

Never or Rarely

Carrying (transporting an object, usually by holding it in the hands or arms or on the shoulder)

Occasionally

Pushing/Pulling (exerting force upon an object so that the object moves away or toward the force)

Never or Rarely

Reaching (extending hand(s) and arm(s) in any direction, such as overhead, below waist, forward or lateral)

Frequently

Keyboarding (entering text or data using computer keyboard or 10-key numeric keyboard)

Constantly

Pinching/Gripping (seizing, holding, grasping, turning or otherwise working with the hand(s) or fingers)

Occasionally

Stooping (bending downward and forward by bending spine at the waist)

Never or Rarely

Squatting/Crouching (bending body downward and forward by bending legs and spine)

Never or Rarely

Kneeling (bending legs at knees to come to rest on knee(s))

Never or Rarely

Crawling (moving about on hand and knees or hands and feet)

Never or Rarely

Climbing (ascending or descending ladders, stairs, ramps)

Never or Rarely

Speaking (expressing or exchanging ideas by means of the spoken word to impart oral information to customers and to convey detailed spoken instructions accurately, loudly, or quickly)

Constantly

Hearing (the ability to hear, understand, and distinguish speech, either in person or telephonically)

Constantly

Near Visual Acuity (clarity of vision at approximately 20 inches or less)

Constantly

Far Visual Acuity (clarity of vision at approximately 20 feet or more)

Occasionally

May require lifting up to 10 pounds