Community Banking Commercial Credit Underwriter III

Essential Duties and Responsibilities:
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
1. Provide support to commercial Relationship Managers (RM) through underwriting, policy knowledge, credit structuring and risk assessment in credit request packages to be submitted for pre-screening discussions, co-approval, or credits approved within the RM's lending authority. Ensure packages are complete, accurate and thoroughly documented.
2. Facilitate timely receipt of current and adequate financial statements of all types, tax returns, and personal financial statements. Analyze financial statements and document client performance along with identified risk and risk mitigants.
3. Understand and can articulate all BB&T Commercial Credit policies, procedures and processes. Recommend credit within the Bank's risk appetite including documenting when and why to make exceptions. Also recommend ongoing servicing including covenants. May require specialized underwriting skills for Commercial & Industrial, Commercial Real Estate, Corporate Banking, Working Capital and other BB&T product offerings.
4. Drive the new and renewal credit process by participating in the CSU meetings, working opportunities through the pipeline, facilitating communication, completing the underwriting, driving closing process through appropriate transition to the appropriate associates within the CSU and Commercial Fulfilment.
5. Manage data integrity of credit variables to include the accuracy of risk rating calculations and input in the system. Participate in CCAR activities as needed.
6. Support Relationship Managers, Market Presidents and Regional Presidents in administration of business portfolio of Region in order to achieve desired results of quality, profitability and growth. Recommend pricing when underwriting credits. Specifically look for opportunities to drive a relationship approach when underwriting new business and looking for IRM opportunities.
7. Support consistent, effective communication with Client Service Unit (includes Relationship Managers and Commercial Sales Assistants) to provide superior risk management, client service and revenue generation.
Required Skills and Competencies:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Bachelor's degree in Finance, Accounting, Economics or Business, or equivalent education and related training
2. Five years of experience in banking industry or related work experience, consistency mostly of underwriting or co-approval experience
3. Excellent verbal and written communication skills
4. Understanding of financial and cost accounting principles
5. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products
6. Successful completion of a formalized credit program
7. Ability to travel, occasionally overnight
Desired Skills:
1. Master's degree in Finance, Accounting, Economics or Business
2. High degree of quantitative analysis skills
3. Demonstrated proficiency in commercial lending systems
4. Strong knowledge of Bank's deposit and payments products
BB&T is an Equal Opportunity Employer and considers all qualified applicants regardless of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law.

Don't Be Fooled

The fraudster will send a check to the victim who has accepted a job. The check can be for multiple reasons such as signing bonus, supplies, etc. The victim will be instructed to deposit the check and use the money for any of these reasons and then instructed to send the remaining funds to the fraudster. The check will bounce and the victim is left responsible.