Senior Underwriter Energy

Overview This position leads underwriting efforts by servicing Energy portfolios at the highest level of ability and complexity. Supports the Energy lending team with expertise in structuring, analysis, and credit documentation for Energy credit actions. Establishes viability of repayment sources and prepares credit approval memos. Identifies, gathers, and reviews financial information to determine credit grades and appropriate loan structuring. Assesses and communicates risks to assist department risk mitigation strategies. Provides service and support for both associates and customers, assisting in customer calls and may assist in identifying cross-sales opportunities. Offers guidance on escalated or difficult underwriting matters. Leads special projects as needed to facilitate Energy lending activities and service capabilities and may act in a leadership role to less experienced underwriters in the work group. Responsibilities & Qualifications Duties & Responsibilities: Underwriting - Leads the underwriting of Energy credit actions according to applicable regulations, procedures, and guidelines. Interacts directly with customers to gather information throughout the approval process and to determine the viability of repayment. Reviews financial statements, communicates with customers or prospects, and performs analysis to recommend credit grades, covenants, and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. Provides leadership in daily activities through underwriting production and credit analysis expertise. Risk Management - Identifies risks through reviews, analysis, and research of new and existing Energy loans. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the Energy portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management. May assist in the development of strategies to manage risk within the credit portfolio. Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collaterals to form a general business overview of the borrower. Utilizes results of analysis to underwrite complex loans. Business Support - May assist in identifying cross-sales opportunities for new and existing relationships based on analysis activities. Identifies servicing information and prepares credit analysis documentation. Partners with associates and customers to determine needs and structuring of new requests, participating in customer and prospect calls as needed. Assists management with peer development and training. Position Specific Skills: Credit training program Qualifications: Minimum Required Education and Experience: Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve-month analysis. Management Preferred Education:Bachelor's Degree Preferred Area of Study:Business, Finance, Economics Preferred Area of Experience:Finance, Banking Required Licenses or Certifications: Preferred Licenses or Certifications: Additional Information Bachelor's Degree and 6 years of experience in Commercial Lending or Credit Analysis, Financial Statement Spreading, Preparation of Projections, and Trailing Twelve-Month Analysis, Management- OR-High School Diploma or GED and 10 years of experience in Commercial Lending or Credit Analysis, Financial Statement Spreading, Preparation of Projections, and Trailing Twelve-Month Analysis, ManagementPreferred Qualifications: * Bachelor's Degree in related field such as F