<p><strong>What role you will play in team:</strong> You will be a critical member of the credit risk team, assessing and mitigating credit risk for consumer and commercial loan applications.  You'll collaborate with other underwriters and loan officers to ensure sound lending decisions.</p><p><strong>What you will do:</strong> You will analyze financial statements, credit reports, and other relevant information to determine the creditworthiness of applicants. You will also assess the risks associated with various loan products and make recommendations on credit limits and terms.</p><p><strong>Key responsibility:</strong><ul><li>Analyze credit applications, evaluating financial statements and credit reports.</li><li>Assess the risk associated with each loan application.</li><li>Determine appropriate credit limits and terms.</li><li>Make recommendations on loan approvals or denials.</li><li>Maintain accurate records of all credit decisions.</li><li>Adhere to all bank policies and procedures regarding credit risk management.</li><li>Collaborate with loan officers to ensure smooth loan processing.</li><li>Continuously monitor credit risk trends and update underwriting guidelines.</li></ul></p><p><strong>Required Qualification and Skills:</strong><ul><li>Bachelor's degree in finance, accounting, or a related field.</li><li>0-1 years of experience in credit underwriting or a related field.</li><li>Strong analytical and problem-solving skills.</li><li>Excellent communication and interpersonal skills.</li><li>Proficiency in Microsoft Office Suite.</li><li>Knowledge of credit risk management principles.</li></ul></p><p><strong>Benefits Included:</strong><ul><li>Competitive salary and benefits package.</li><li>Opportunities for professional development and advancement.</li><li>Collaborative and supportive work environment.</li><li>Comprehensive health insurance coverage.</li><li>Paid time off and holidays.</li><li>Retirement plan with employer matching contributions.</li></ul></p><p><strong>A Day in the Life:</strong> A typical day involves reviewing loan applications, analyzing financial data, making credit decisions, and collaborating with colleagues. You'll be working independently but also as part of a team.</p>