COMMERCIAL LOAN UNDERWRITER - TEAM LEAD

Job Description: GENERAL FUNCTION: Responsible for overseeing commercial loan underwriting personnel to ensure all small business loan portfolios are properly managed according to 5/3 Bancorp credit and risk policies.  Review and decision small business loan applications, in a centralized environment, for commercial credits up to $2 million.  Provide continued support to Banking Center personnel relating to the communication of loan decisions and financial analysis.

ESSENTIAL DUTIES & RESPONSIBILITIES:



Maintains a thorough working knowledge of Fifth Third credit policies and procedures.


Responsible for meeting fee realization goals and pricing/margin initiatives.


Reviews new loan applications to determine level of complexity, and distributes packages to underwriters according to experience and ability.


Provides override approval on all loan requests with two or more policy exceptions.


Provides final approval for loan requests above the loan underwriter's lending authority.


Educates and trains Branch personnel relating to commercial credit and policy issues, as well as department policies and procedures.


Assists credit manager with the auditing of loan underwriter decisions to ensure credit standards are being met.


Provides second review of loan applications as requested by Originators.


Assists Portfolio Manager Team Lead as needed.


Miscellaneous job duties as assigned.

SUPERVISORY RESPONSIBILITIES:


Assists department manager with recruiting, hiring, and training of department personnel.


Provides on-going coaching and training of department staff.


Provides accurate and timely communication to subordinates relating to changes in policies and procedures.


Establish goals and ensure performance measurements are met.


Complete employee performance evaluations.