Underwriter-Business Banking

Underwriter-Business Banking First Bank United States, Missouri, St. Louis Apr 28, 2026 Business Credit Center Underwriter I A Business Credit Center Underwriter I underwrites small business credits presented by First Bank's branch network. What You Will Be Doing Underwriting Small Business Loans originated at branches throughout the First Bank network. The BCC Underwriter II will independently underwrite loans employing the electronic scorecard processing system and traditional underwriting techniques. This person will normally concentrate on loan requests between $100M and $500M. This will include credits underwritten using UCA and traditional cash flow and at times "score-only" products.
Working with Commercial Loan Officers, Business Banking Officers and Branch Managers to maintain excellent rapport while underwriting and processing loan applications. Work with Business Credit Center personnel to help centralize the small business credit underwriting, renewal, and servicing functions as the process develops. May include helping to train new users to the centralized process.
Maintaining daily contact with customers (branch personnel) to inform them of the progress involving their transaction. Provides the highest level of service possible to the branches to help ensure good rapport is maintained between the Business Credit Center and all branches.
Ensuring all credit decisions are researched to completion before making a final decision. Reviews all declines to make sure all possibilities have been exhausted prior to decline. This includes staying abreast of alternative programs both inside and outside the Bank.
Ensuring all credit decisions are promptly communicated to the branch verbally and by fax/e-mail.
Looking for every way to make a loan including offering alternate loan structure.
Promoting the team concept. Gives full support to upper management decisions.
Ensuring credit quality and portfolio integrity are always given the highest consideration when making credit decisions. Knows First Bank's loan policy and ensures credits conform to policy.
Continuing to stay abreast of market trends and changes within this area of expertise.
Pursuing all opportunities to establish more efficient ways to underwrite and process credit requests within the small business arena. Working with all systems and staff to assemble meaningful reports that can be shared throughout First Bank. Bachelor's Degree or equivalent work experience in this field.
Work experience should include 1-3 years in centralized small business underwriting, or commercial lending.
Thorough knowledge of automated loan processing and understanding of credit scoring.
Working knowledge of SBA lending including SBAExpress, LowDoc and 7A programs is a plus.
Working knowledge of accounting principles and cash flow.