Small Business Underwriter (Remote - Boise, ID, Spokane or Walla Walla, WA) at Banner Bank

Spokane, Washington, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Associate's degree in Accounting, Business, Economics, Law, Computer Science or other related field (or equivalent combination of education and experience)
Experience in commercial credit analysis or small business underwriting
Knowledge of financial institution policies and procedures
Good sales, organizational, communication, and public relations skills, particularly in working with documentation that requires special or confidential handling
Proficient with the Bank’s loan application processing system and Microsoft Office, including Word and Excel
Ability to work independently and accurately in a deadline-driven environment
Knowledge of federal and state laws and regulations relating to small business lending, including SBA Express program policies and procedures

Responsibilities

Underwrite QuickStep small business loan requests and ensure booked requests meet the Bank's lending policies and procedures, with loans performing within expected loss and delinquency parameters
Review performance of existing QuickStep credits and make recommendations to restructure problem credits
Analyze, review, and approve/decline small business loan requests in areas such as lines of credit, auto/equipment loans, commercial real estate loans, and commercial credit cards
Assemble, collect, and verify the accuracy of documentation needed for booking sound and safe loans
Develop proficiency in using the loan origination application processing system
Recommend terms and conditions of loans that best fit the customer and the bank
Offer cross-sell opportunities to applicants that demonstrate the financial capacity to service the debt
Contribute to the Bank's profitability by making small business loans that meet Bank standards for economic value and safety
Contribute to the Bank's favorable image in the community by carrying out loan activities in a manner promoting customer goodwill
Learn to analyze financial statements, perform tax analysis, and determine cash flows
Provide assistance to other underwriters and support consumer underwriting activities as needed
Comply with policies, procedures, security requirements, and government regulations

Skills

Underwriting

Small Business Lending

Loan Origination

Credit Analysis

Commercial Real Estate Loans

Lines of Credit

Auto Loans

Equipment Loans

Commercial Credit Cards

Risk Assessment

Loan Documentation

Cross-Selling

Banner Bank

Provides banking services and financial products

About Banner Bank

Banner Bank provides a variety of financial services to individuals and businesses in the Western United States, including checking and savings accounts, loans, mortgages, and investment services. The bank operates over 200 locations across Washington, Oregon, California, and Idaho, managing assets of more than $12.6 billion. Its products work by offering tailored financial solutions and expert guidance to meet the specific needs of each client, ensuring personalized service. Unlike many competitors, Banner Bank emphasizes quality, teamwork, and community involvement, which has earned it accolades such as being named the Best Bank in the Pacific Region by Money Magazine and receiving a five-star rating from Bauer Financial for financial strength. The goal of Banner Bank is to provide exceptional financial services while fostering strong community ties and ensuring customer satisfaction.

Walla Walla, WashingtonHeadquarters

1890Year Founded

IPOCompany Stage

Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Unlimited Paid Time Off

Paid Vacation

Paid Sick Leave

Paid Holidays

401(k) Retirement Plan

401(k) Company Match

Tuition Reimbursement

Risks

Increased competition from digital-only banks may erode market share.

Rising interest rates could decrease loan demand, affecting revenue.

Evolving cybersecurity threats pose risks to customer data security.

Differentiation

Banner Bank emphasizes community involvement and personalized customer service.

The bank has been recognized as one of America's Most Trustworthy Companies.

Banner Bank offers tailored financial solutions to meet diverse client needs.

Upsides

Banner Bank's focus on ESG practices attracts environmentally conscious customers.

The bank's strong community ties enhance customer loyalty and brand reputation.

Recognition as a trustworthy company boosts customer confidence and retention.

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