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  • Macon, GA

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Business Banking Underwriter - 821 - Macon GA

State Bank and Trust Company • Macon, GA

Posted 11 days ago

Job Snapshot

Banking - Financial Services
Banking, Finance


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Job Description

State Bank and Trust Company

Business Banking Underwriter

EEO is the Law



The Business Banking Underwriter ensures that State Bank only lends to responsible or financially capable individuals; required to research, analyze, and interpret a number of financial reports for businesses, their owners/principals.  



  • Responsible for reviewing, analyzing, approving and underwriting business banking loans within company and industry guidelines. 

  • Complexity of underwriting, functions may include:

  1. reviewing financial statements

  2. applicable ratios (i.e. debt ratios, loan-to-value);

  3. examining transactions to ensure accuracy and completeness;

  4. ensuring that documents are consistent and uphold to company and industry guidelines;

  5. implementing fraud detection techniques

  6. performing compliance reviews;

  7. assisting with re-negotiations of loans based on lending guidelines;

  8. explaining rationale behind credit decisions.

Job Requirements


Bachelor's degree (B. A.) from four-year college or university.


  • Minimum five years prior banking experience with at least two years in business banking underwriting in a decision making capacity; having worked in a centralized lending environment a plus.

  • Relevant background in loan compliance and centralized business banking underwriting 

  • Knowledge of all deposit, investment and loan products including mortgage a plus.

  • Ability to work in a structured environment where creativity is encouraged within well defined parameters

  • Proven track record in working with all levels of senior management.


Visit our website to apply for all positions you may qualify for.

Employment at Will

Employment with State Bank & Trust is "at-will." This means that you or the Bank may terminate your employment at any time with or without notice or cause.

Employment Eligibility Verification

Employees are required to present proof of identity and eligibility to work in the U.S.  State Bank participates in E Verify.

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