Credit Underwriter at Georgia Banking Company

Cumming, Georgia, United States -

Full Time

Start Date

Immediate

Expiry Date

05 Jan, 26

Salary

0.0

Posted On

07 Oct, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Underwriting, Loan Structuring, Financial Statement Analysis, Risk Assessment, Communication Skills, Attention to Detail, Consumer Lending, Private Banking, Small Business Lending, Portfolio Management, Compliance, Collaboration, Problem Solving, Project Management

Industry

Financial Services

Description

Description The generalist Credit Underwriter serves as a flexible, utility player within the bank’s credit team, responsible for underwriting a diverse range of loan types including, but not limited to, consumer, private banking, home builder, and ?business loans. This role supports multiple lines of business and collaborates closely with relationship managers, credit officers, and loan operations to ensure sound credit decisions and timely service delivery. Key Responsibilities: Underwrite and analyze credit requests across multiple segments, including but not limited to: Consumer Lending (personal, unsecured) Private Banking (high-net-worth clients, complex personal financials) Home Builder Lending (spec, pre-sold, A&D loans) Small Business / Commercial Lending (SBA, C&I) Prepare detailed credit memos with financial analysis, risk assessment, and recommendations. Review borrower financial statements, tax returns, credit reports, and collateral documentation. Ensure compliance with internal credit policies, regulatory guidelines, and loan documentation standards. Partner with relationship managers to structure deals that meet client needs while mitigating risk. Participate in loan committee discussions and present underwriting findings as needed. Monitor existing portfolio performance and assist with renewals, modifications, and covenant tracking. Support special projects, credit initiatives, and process improvements across lending teams. Requirements Bachelor’s degree ideally in Finance, Accounting, Business, or related field. 5+ years of experience in credit analysis, underwriting, or loan analysis, preferably in a community or regional bank. Strong understanding of credit principles, financial statement analysis, and loan structuring. Ability to work across multiple lending verticals with agility and attention to detail. Comfortable managing competing priorities in a fast-paced environment. Excellent written and verbal communication skills. Consumer or Private Banking credit experience is preferred. Formal credit training is preferred. AAP/EEO Statement: Equal Opportunity/Affirmative Action Employer Veterans/Disabled.

Responsibilities

The Credit Underwriter is responsible for underwriting and analyzing a diverse range of loan types while ensuring sound credit decisions and timely service delivery. This role involves preparing detailed credit memos, reviewing financial documentation, and collaborating with relationship managers.