SUMMARY OF JOB:

Underwrite commercial loans (C&I, Real Estate, Construction, Agricultural, Private Banking, Enterprise Value, Tax Incentivized, etc.), in a manner designed to maximize efficiency, accuracy, and quality. Collect, compile, and analyze financial information to facilitate lending decisions for commercial credit requests. Work closely with Bankers and Credit Administration to support the credit underwriting process and ensure it is collaborative, as well as assisting Portfolio Managers when needed to learn and participate in the Portfolio Monitoring process.

** This position is 100% in office in the Denver Tech Center area

ESSENTIAL JOB RESPONSIBILITIES:

1. Manage the loan underwriting process to ensure credit quality and accuracy of output, including by the Credit Analyst team.
2. Underwrite moderately complex loan transactions for new and existing clients with complicated borrowing structures. Responsible for compilation of data and interpreting outcomes of analysis, utilizing sound credit underwriting skills to recommend credit decisions, maximize credit quality and minimize risk/potential loss to the Bank.
3. Assist Bankers and Credit Administration with Pre-Flight/Loan Committee presentations.
4. Participate with Bankers and Portfolio Managers on calls with existing and potential Customers to better understand client needs in an effort to grow the Bank's Book of Business.
5. Participate in the monitoring process for the Commercial Loan Portfolio and help Portfolio Managers to compile portfolio metrics used for regulatory reporting, internal risk assessment/mitigation, Executive Management strategic decisioning, etc.
6. Strong sense of urgency and commitment to the Company's loan growth and credit quality goals.
7. Maintain current knowledge and follow all bank financial and security regulations and procedures.
8. Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.
9. Other duties as assigned.

JOB REQUIREMENTS:

Education: Bachelor's degree or equivalent work experience

Work Experience: 3+ years of experience in credit analysis, underwriting, and/or lending activities; 4-6 years of relevant experience with requisite competencies.

Supervisory Experience: None required

Licenses/Accreditations: None required

Computer Skills: Advanced skills with Microsoft Office Suite, Credit Analysis Software.

Other Requirements: Advanced credit analysis and analytical skills. Thorough knowledge of credit administration, policy, and procedures. In-depth knowledge of risk analysis on a variety of commercial credit types. Superior customer service skills. Excellent technical report writing skills, verbal communication, and interpersonal skills. Ability to effectively manage multiple responsibilities and priorities. Ability to lead, motivate, and foster teamwork. Ability to effectively discern information and formulate appropriate action. Ability to think critically and provide appropriate solutions. Occasional travel may be required for meetings/trainings. Must be able to use fingers, hands, and wrists for repetitive tasks such as typing, using a mouse, handling paper, and operating a telephone. Ability to lift up to 25 lbs.

Preferred Skills/Experience: Ability to provide sound credit decisions utilizing strong background in evaluating personal and business financials. Strong attention to detail and accuracy; professional and courteous communication skills. Ability to effectively communicate between key internal business partners.

SPECIFIC DUTIES AND RESPONSIBILITIES

Customer Service: Ability to work effectively with both internal and external contacts. Maintains confidentiality in handling customer and bank information.

Financial: Advanced knowledge of commercial banking, economics, accounting, and finance.

Administrative Duties: N/A

Autonomy: Routinely uses critical-thinking skills to appropriately address complex business problems.

Employees Supervised: N/A

Budget Responsibility: N/A

The applicant who is selected for this position will be eligible for the following compensation and benefits:

• Targeted hiring range based on experience: $70,000 - $85,000 Annual. This range is an estimate based on potential employee qualifications and other considerations permitted by law under the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules.
• Bonus Eligibility: Annual bonus based on Company Bonus Plan/Individual Performance and is at the Company Discretion.
• Benefits: Medical, Dental, Vision insurance. Disability insurance. Employee assistance program. Flexible spending account. Health savings account. Life insurance.
• Paid Time Off: Vacation and sick leave, as well as paid Bank Holidays.
• 401(k): Company match begins with the first contribution and follows the company vesting schedule.
• Other: access to career training and development opportunities, employee discounts.
• For more about InBank and our culture, visit us here: Who We Are

InBank is an Equal Opportunity Employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, or any other characteristic protected by applicable federal, state, or local laws

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