Senior BLC Loan Underwriter - Trustmark Bank

The purpose of this job is to serve in a senior position for approving and declining small business loan applications submitted to the Business Loan Center by business bankers and designated retail lenders.

• Credit decisions for aggregate credits up to Small Business definition maximum
• Credit policy waivers and exceptions
• Decision over limit requests for junior underwriters
• Decision and document small business loan requests, including pricing, for approval, denial, or conditional approval
• Review small business loan applications for credit score, quality of personal credit history, proper debt service coverage/cash flow, collateral, financial ratios, etc.
• Perform analysis for credit decisions (cash flow or debt coverage ratio, collateral loan to value, appraisals, title searches, etc.)
• Review loan packages for compliance with TMK Loan Policy and Small Business Loan Underwriting Guidelines (desirability of credit, purpose, terms, collateral, financial statements, etc.)
• Review loan requests for HMDA applicability and compliance and submit requests as needed to HMDA 2nd Review Committee
• Reviews loan decisions of junior underwriters for over limit requests.

• Minimum four-year college degree
• Extensive knowledge of small business and commercial lending process
• Advanced knowledge of regulatory compliance procedures regarding small business lending
• Extensive knowledge of credit analysis techniques
• A broad understanding of small business and the inherent risks and opportunities associated with varying industry types
• Good judgmental skills
• Strong interpersonal skills
• Advanced computer skills
• Basic leadership and management skills