Description:The Commercial Underwriting Manager is responsible for supervising the commercial credit department. Participates in the loan management process by providing credit and loan underwriting expertise to the Bank's Commercial Lending team. Analyzes prospective loan transactions and credit worthiness of borrowers. Validates the credit analysis prepared by the Commercial Credit Analysts and provides opinions and recommendations regarding proposed credits and potential risks.
Duties and Responsibilities:Manage personnel activities of direct report staff; including employee reviews and development plans. Tasked with mentoring/enhancing staff development set team goals and monitor performance. Responsible for managing and directing workflow of direct reports to ensure quality and timeliness of credit product delivery.Analyze financial statements in conjunction with underwriting commercial loan requests. Prepare, and review in depth written analysis for relationships. Prepare credit presentations that incorporates and analyzes all relevant borrower and related financial information. Loan requests include CRE and C&I. Ensure sound practices in the commercial credit underwriting process.Manage the Commercial Loan Review function. Oversee the review of existing commercial loans and risk rating analysis on the portfolio; prepare and review in depth written analyses for relationships of all sizes and all levels of complexity; ensure compliance testing of loan requirements.Work with Loan Officers / Business Bankers to assemble financial information as to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower's historical and current operating performance. Review loan structure of new loan requests identifying any risks or policy exceptions. Make recommendations on loan structure and reporting requirements where appropriate. Research industry specific information from outside sources, including conversation with the borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet. Attend and contribute to various Bank committee meetings i.e. Credit Risk, SAC, and Loan Review. Prepare and maintain Commercial Loan Committee minutes.Oversee the SBA commercial credit underwriting and approval process: Express, 7A, 504.Oversee and prepare monthly/quarterly reporting relating to commercial credit and the commercial loan portfolio.Manage service providers and vendors; structure relationships with service providers in a strategic manner; set expectations; develops performance metrics; measures vendor performance, provide feedback and hold accountable.Keeps up to date and complies with all bank policies/procedures as well as applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations.Other Duties as assigned.The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC.
Requirements:Qualifications and Skills:10-15 years of experience in commercial credit or financial services is required. Prior leadership experience is required. Proficiency in underwriting and structuring complex commercial loans (both CRE and C&I) is required.Prior experience with commercial loan review function and/or management is required. Proficiency in MS Office Outlook, Excel, Word or similar software is required, as well as Cleartouch, OnBase, and CreditQuest.Bachelor's degree OR equivalent experience is required.Necessary competencies:Accountability Business AcumenResilienceCollaborationLeads for High PerformanceCommunicationQuality FocusedProcess OrientedPhysical Environment:While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.The employee must occasionally lift and/or move up to 25 pounds.The noise level in the work environment is usually quiet to moderate.Must have a valid driver's license.This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p.
PI277e9d96d5-
Description:Position Summary:The Commercial Loan Servicing Administrator is responsible for the servicing of commercial loans.Duties and Responsibilities:Services all commercial loans in the commercial loan system by verifying billings and outgoing information is accurate; revises maturities, rates, indexes, and similar items that have financial impact on the organization; modifies loan terms in the CML system as needed. Processes monthly payments for loans that have interest reserves.Responds to commercial loan questions from branches, customers, title companies; researches and resolves them as needed.Tracks and reports all maturing commercial loans to management; updates the database with all modifications and changes in terms for these loans; assists in collections and follow-up on delinquencies as requested by supervisor.Prepares and completes partial releases and applies funds received; maintains tracking of releases; prepares loan payoffs, full mortgage releases, and partial releases; updates weekly, monthly and quarterly reports and business loans and ensures that appropriate general ledgers are balanced on a monthly basis.Reports to management delinquencies on commercial portfolio, tracks all commercial escrow tax payments and disburses checks to appropriate counties.Performs post closing audits; verifies that loan documentation on closed commercial loan match management approved terms; corrects inconsistencies and reports to supervisor.Performs daily audit of any changes or updates made to commercial loans to ensure OCC compliance; performs quality control on all new loan set-ups; monitors uniform commercial code filings at county.Processes SBA report and wires funds; posts and reconciles legal and collection fees for loans; monitors and generates production reports for management; reviews and forwards OFAC and check registers to appropriate departments within bank; reviews property tax payments reports.Processes participation payments and remittances for participation loans that FFL is the lead Bank. Works closely with affiliate banks relating to shared services for commercial lending. Complies with all applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations.Other Duties as assigned.The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC.
Requirements:Qualification and Skills:3 to 5 years of commercial lending experience is required.Strong understanding of commercial lending laws, regulations, and guidelines is preferred.High School Degree or Equivalent is required; Bachelor's degree OR equivalent experience is preferred.Proficiency in MS Office Outlook, Excel, Word or similar software is required. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred.Necessary competencies:ResilienceCollaborationCommunicationService OrientationQuality FocusedProcess OrientedAccountability Physical EnvironmentWhile performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.The employee must occasionally lift and/or move up to 25 pounds.The noise level in the work environment is usually quiet to moderate.This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p.
PIf23ea77805d4-7796
