Senior Commercial Loan Underwriter

Job DetailsJob Location: Lakeland, FL 33801Position Type: Full TimeWhy have a job when you can build a career? We are proud to be defined by the excellent service and convenience offered to our members, as well as our diverse workforce and company culture. There are many reasons to work for MIDFLORIDA, which is probably why we were voted one of Florida Trend's "Best Places to Work." MIDFLORIDA offers a positive team culture, an open-door management style, a commitment to diversity, stability, competitive benefits, and a career path with a growing, successful company! Join us on our mission to improve the financial well-being of our members!

Senior Commercial Loan Underwriters perform the following functions:

Underwrite commercial and real estate investment property loans and lines
Structure commercial and real estate investment loan transactions; prepare loan memoranda and credit packages
Research and examine credit and collateral risks; assess information to determine creditworthiness of existing and potential borrowers
Prepare financial spreadsheets, reports, and summaries
Manage a commercial and real estate investment loan portfolio to include conducting reviews of existing relationships, assessing changes in risk, preparing covenant recommendations to minimize risk, completing renewals of maturing loans
Exercise sound judgment and discretion while remaining compliant with well-defined limits and guidelines.
Deliver problem solving solutions and perform research as needed.
Provide technical solutions in support of MIDFLORIDA’s electronic services.
Accountable for meeting productivity, quality, and sales goals.
Professional and efficient communications with all departments promoting synergy.
Exhibit a high degree of integrity, trustworthiness, and professionalism always.
Exude a positive and professional attitude with members and partners consistently.
Perform other duties as assigned.

QualificationsQualifications include

3 to 5 years of commercial and real estate investment credit underwriting experience in a bank environment
Understanding of balance sheets, income, and cash flow statements
Understanding of commercial and real estate investment property lending policies, procedures, laws, and regulations
A Bachelor's degree in a business-related field is preferred; however, we may consider a combination of education and experience for an otherwise well qualified candidate

MIDFLORIDA Perks

Stability
Opportunity for growth
Paid time off and paid holidays
Tuition assistance after 6 months of service
401K Plan with employer matching
Health, Dental, and Vision Insurance - Generous and affordable plans for employee and family
Employee Assistance Program- No waiting period to access benefit
Salary and Bonuses – Bonus programs and annual appraisals with salary increase opportunities

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.