FVCbankVP/Underwriter--Job DescriptionTitle: VP/UnderwriterDepartment: Credit AdministrationSupervisor: SVP/ Credit Administration Job summaryThe primary role of the underwriter position is to support commercial loan officers in the analysis of the creditworthiness of the Bank's C&I, CRE, and other credit relationships. The underwriter will assist in identifying and gathering sufficient information regarding the credit qualifications of the applicant / borrower, the specific nature and current status of the industry, current market conditions, and the underlying financial strength of the owners, for the Bank to make sound credit decisions.Summary of essential job functionsAnalyze business and commercial financial statements, cash flows and tax returns, using Bank's software applications. Analyze personal tax returns, financial statements, and cash flows using Bank's software applications. Gather appropriate underwriting information from various sources such as the Bank's data systems, Internet, Dun & Bradstreet, RMA, CoStar, and general market data bases. Evaluate adequacy of cash flows to service proposed debt structure(s). Evaluate applicant's/borrower's industry and general market conditions. Determine the degree of risk involved in extending the proposed credit facility. Perform other duties as assigned. Minimum requirementsBachelor's degree in Accounting or Finance3-5 years of related work experience in bankingAbility to focus on task and be detail orientedStrong analytical skillsExcellent written and verbal skillsProficient in Microsoft Office suitAdaptability to other software programsSolid business writing skillsGood organizational skills Abilities requiredStrong written and verbal communication skillsStrong and effective planning and organizational skills Thorough understanding of the components of various financial statement types and formatsThorough understanding of personal/ partnership and corporate tax returnsExtended coursework in accounting and/or financeDesired SkillsProfessional and effective interpersonal skillsWorking knowledge of legal entity structuresAbility to support and defend decisions on loan requestsAbility to communicate effectively in a logical succinct format, verbally or in writing Essential FunctionsAbility to sit, stand, kneel and bend for extended periods of timeMust be able to operate a computer keyboard, mouse, and other computer componentsLifting and transporting heavy to moderately heavy objects, such as computers and peripheralsAbility to converse and exchange information with customers and all levels of staff within the organizationAbility to observe, perceive, and identify dataAbility to travel via air, rail, automobile, and/or bus Disclaimer The position for which youare applying is one that would have access to cash, financial instruments,financial transactions or confidential customer financial information. The Bankhas determined that personal financial responsibility is substantially relatedto preventing misuse of misappropriation of financial instruments orinformation which is essential function of the position for which you areapplying. A consumer report and additional background reports are requested ofall applicants on that basis. The above statements are intended todescribe the general nature and level of work being performed by peopleassigned to this classification. They are not to be construed as an exhaustivelist of all responsibilities, duties, and skills required of personnel soclassified. All personnel may be required to perform duties outside of theirnormal responsibilities from time to time, as needed. We are an Affirmative Action/EEO Employer. We do notdiscriminate on the basis of race, color, religion, national origin, physicalor mental disability, protected veteran status, sex, gender identity, sexualorientation or any other characteristic protected by federal, state or locallaw. Apply at www.fvcbank.com / Career tab