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Industry: Financial Services
Company Size: 201-500 employees

Lake Ridge Bank

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JOB REQUIREMENTS: Description: Lake Ridge Bank is in search of a Credit

Analyst to join our underwriting team! The Credit Analyst will be

responsible for spreading financial statements as required by Lake Ridge

Bank loan policy. In addition, this role will analyze and underwrite

commercial credits and partner with Underwriters and Business

Relationship Managers in making credit decisions. Financial Analysis

Accurately spread raw\' business and ag financial statements into

financial spreading software as collected (includes tax returns, balance

sheets, profit & loss statements, aging reports and projections). Verify

accuracy and research discrepancies in raw\' statements. Provide credit

analysis and identify trends based on collected financials and spreads

on an ongoing basis for existing customers to Business, Commercial & Ag

Bankers. Monitor and verify borrowing base certificates and other loan

covenants. Report findings to Underwriting Teams. Maintain financial

tracking system upon the waiver or change in financial tracking

requirements. Monitor and verify ongoing collection efforts. Set up new

customers on financial tracking system and set up ticklers for future

collection. Underwriting and Approval Process Underwrite and facilitate

new and renewal credits where the aggregate debt is generally at or

below \$1MM, and other less complex credits as assigned by the Small

Business Underwriting Manager. Collaborate with Underwriting Teams

acting as a liaison between Business, Commercial & Ag Banker, Commercial

Production staff, Credit Risk Department and other internal staff

members as necessary Ensure proper documentation of loan file via a loan

proposal and post approval due diligence. Work with third party

individuals as needed such as evaluation/appraisal orders and

environmental due diligence. Full Knowledge of the Small Business Model

(SBM) & Small Ag Model (SAM) systems and how they facilitate loans

quickly through the overall loan process. Adhere to all Bank

Security/Compliance Regulations Complete all annual bank security and

compliance training. Adhere to Bank Security/compliance and policy

guidelines for commercial production and/or loan area Maintain

confidentiality of customer information at all times. Stay current on

all compliance regulations Requirements: Associates degree in Finance,

Accounting, Business and/or similar field of education and/or three (3)

years previous work experience in a lending environment Solid

understanding of financial statements including but not limited to tax

returns, profit & loss statements, income statements, balance sheets,

and other business financials Well-developed interpersonal and

communication skills (verbal & written) in order to communicate and

relate effectively with customers and associates Good accounting/math

skills with the ability to work precisely with numbers and financial

calculations Strong attention to detail with the ability to work

efficiently & accurately Demonstrated ability in exercising independent

judgment Strong organizational skills, including the ability to

prioritize and remain calm while working in a fast paced/deadline driven

environment Good working knowledge of Microsoft Office Suite, proficient

typing/keyboarding skills and the ability and willingness to learn new

programs and software Ability to maintain confidential customer

information Ability to read, write, understand and speak English clearly

Ability to represent the organization in a professional, positive manner

PREFERRED QUALIFICATIONS: Bachelor\'s degree in Accounting or Finance

Previous experience in credit analysis or commercial underwriting within

a financial institution Previous work experience in accounting and / or

working with business financial statements Previous experience working

in a lending environment, preferably in a financial institution setting

This position is a full time position with hours of 8am 5pm

Monday-Frida with the flexibility. Lake Ridge Bank values a diverse

workforce and is an Affirmative Action/Equal Opportunity Employer.

Consistent with Lake Ridge Bank\'s commitment to employ and advance

qualified individuals with disabilities, Lake Ridge Bank provides

reasonable accommodation to apply for or perform a job. Some examples of

reasonable accommodation include alternate methods to apply, providing

documents in an alternate format, altering work procedures, specialized

equipment or use of an interpreter. If an individual needs reasonable

accommodations to apply or perform a job here at Lake Ridge Bank, please

contact Human Resources at (608) 849-2700 or email us. PI284713156

\*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:

https://www.click2apply.net/bn2zLKF4PxwZaheJZFdmbp

Credit Analyst

JOB REQUIREMENTS: Description: Join Lake Ridge Bank as a Risk Management

Specialist and contribute to strengthening our enterprise-wide risk

governance framework. In this role, you will support risk aggregation,

audit and examination coordination, policy tracking, and risk

reportinghelping ensure accurate documentation, timely issue resolution,

and consistent governance practices across the organization. If you are

detail-oriented and eager to build your expertise in risk management

while supporting meaningful organizational impact, we encourage you to

apply. The home office is flexible based out one of our Lake Ridge Bank

communities. Officer titling is based on experience (Officer, Assistant

Vice President, Vice President, etc). Risk Governance & Aggregation

Maintain enterprise risk register and coordinate periodic risk

assessments Aggregate risk information across business lines for

executive and Board reporting Assist in monitoring key risk indicators

and trend reporting Support development of risk dashboards and summary

analytics Audit & Examination Coordination Coordinate internal audit,

external audit, and regulatory exam requests Maintain centralized

tracking of findings and corrective action plans Monitor remediation

timelines and escalate delays appropriately Validate documentation

supporting closure of findings Policy Governance Maintain centralized

policy inventory and review cycle tracking Monitor policies requiring

management or Board approval Ensure documentation of approvals and

version control discipline Risk Reporting Support Assist CRO in

preparation of Board and committee risk reporting Support integration of

credit, operational, compliance, and security risk summaries into

enterprise view Provide analytical support for strategic initiatives

from a risk perspective Governance Documentation Maintain risk

documentation repositories Support insurance tracking and other

**Governance-related Oversight Processes Other Responsibilities**

Continually develops knowledge, skills and abilities through internal

and external training programs. Actively participates in Bank and

Department meetings. Provide ongoing guidance to other departments.

Participates in community involvement/bank activities as appropriate.

Complete all annual bank security and compliance training. Adhere to

Bank Security guidelines as required for this position. Always maintain

confidentiality of client information. Stay current on all compliance

regulations. Perform all other duties as assigned or requested.

Requirements: 2-5 years related work experience in banking risk

management, audit, compliance, governance or related field. Bachelor\'s

degree in Business, Finance, Accounting, or Data Analytics preferred.

Proficiency in Power BI and Excel for data visualization and analytics.

Strong understanding of third-party risk management and regulatory

frameworks. Analytical mindset with a strong attention to detail as well

as the ability to work efficiently and accurately with minimal

supervision. Strong working knowledge of Microsoft Office including but

not limited to Word and Excel and advanced computer/keyboarding/typing

skills. Demonstrated problem solving skills with the ability to make

sound business decisions. Demonstrated ability in exercising independent

judgment. Flexibility with the ability to adapt to an ever-changing work

environment. Strong organization skills, including the ability to

prioritize and remain calm while working in a fast paced/deadline driven

environment. Ability to maintain confidential client information.

Ability to read, write, understand and speak English clearly. Ability to

represent the organization in a professional, positive manner. Lake

Ridge Bank values a diverse workforce and is an Affirmative Action/Equal

Opportunity Employer. Consistent with Lake Ridge Bank\'s commitment to

employ and advance qualified individuals with disabilities, Lake Ridge

Bank provide reasonable accommodation to apply for or perform a job.

Some examples of reasonable accommodation include alternate methods to

apply, providing documents in an alternate format, altering work

procedures, specialized equipment or use of an interpreter. If an

individual needs reasonable accommodations to apply or perform a job

here at Lake Ridge Bank, please contact Human Resources at (608)

849-2700 or email us. PI284712285 \*\*\*\*\* APPLICATION INSTRUCTIONS:

Apply Online: https://www.click2apply.net/2j84JlHeW48aLTYpeFdB2j

Risk Management Specialist

JOB REQUIREMENTS: Description: Based out of our Middleton office, the

Small Business Underwriting Manager plays a key leadership role in

driving the success of our small business portfolio. This position

oversees and mentors a team of Credit Analysts while ensuring

high-quality, timely, and well-balanced credit decisions. Partnering

closely with the Vice President Commercial/Ag Underwriting Manager, this

role has meaningful influence on credit strategy, risk management, and

growth within our small business segment. It\'s an excellent opportunity

for a collaborative underwriting leader who enjoys developing talent and

supporting relationship-based banking. Team Leadership & Supervision

Lead and manage a team of Credit Analysts, providing mentorship,

guidance, and training to enhance team performance and career growth.

Allocate and prioritize underwriting assignments, ensuring efficiency

and timeliness in processing applications. Conduct regular performance

evaluations, set clear objectives, and foster a collaborative team

environment. Underwriting & Credit Analysis Review and approve small

business credit applications within assigned lending authority. Complete

loan presentations assigned to the Commercial Underwriting team on an as

needed basis when workflow exceeds their capacity. Analyze financial

statements, credit reports, and other data to assess borrower risk and

recommend decisions. Ensure consistent application of underwriting

standards and adherence to regulatory requirements. Process Management &

Improvement Monitor and streamline underwriting processes to improve

**Accuracy, Efficiency, And Client Experience. Complete Any Required**

reporting that supports short and long term tracking of departmental

metrics, goals, and regulatory requirements. Collaborate with internal

stakeholders to develop, implement, and update credit policies and

procedures. Stay informed about industry trends, regulatory changes, and

best practices in credit underwriting. Collaboration & Communication

Partner with Relationship Managers, Business, Agriculture and Commercial

Lending teams to provide timely and expert credit decision support.

Serve as a key point of contact for escalated credit decisions and

inquiries. Communicate credit policy updates, industry trends, and team

**Performance Metrics To Senior Leadership. Other Responsibilities Perform**

other tasks which are supportive in nature to the essential functions of

the job and department, but which may be altered or redesigned depending

upon individual circumstances. Works as part of a team to accomplish

office/dept goals. This includes working additional hours as needed

**And/or Taking On Additional Responsibilities As Needed Within Other**

rotations. Assist with various projects as needed and/or perform other

duties as assigned or requested. Participates in internal/external

training as appropriate. Participates in community involvement/bank

activities as appropriate. Perform all other duties as assigned or

requested. Adhere to all Bank Security/Compliance Regulations Complete

all annual bank security and compliance training. Adhere to Bank

Security/compliance and policy guidelines. Always maintain

confidentiality of client information. Stay current on all compliance

regulations, required through training and daily education.

Requirements: Associates or bachelor\'s degree in Finance, Accounting,

Business Admin or relevant field and/or 3-5 years previous work

experience. Previous experience in commercial and/or ag loan

underwriting Proven ability to lead, mentor, and motivate teams in a

fast-paced environment. Strong written and verbal communication skills

with ability to convey complex information in a clear, concise manner

Adept in ability to learn quickly, apply creativity, understand complex

processes and procedures, prioritize workload, set and meet deadlines,

and perform well with a minimum of direct supervision Ability to

maintain ccuracy and focus with attention to detail in fast-paced

environment with constantly changing priorities Detail oriented, with

ability to manage time and organize competing priorities Interpersonal

skills for effective collaboration with a broad range of professional

and technical staff Well-developed interpersonal and communication

skills (verbal & written) in order to communicate and relate effectively

with customers and associates Strong attention to detail with the

ability to work on multiple priorities efficiently & accurately

Demonstrated ability in exercising independent judgment Demonstrated

ability to take initiative and to provide ownership over own work in

order to get the job done Strong organizational skills, including the

ability to prioritize and remain calm while working in a fast

paced/deadline driven environment Good working knowledge of Microsoft

Office Suite, proficient typing/keyboarding skills and the ability and

willingness to learn new programs and software Ability to maintain

confidential customer information Ability to read, write, understand and

speak English clearly Ability to represent the organization in a

professional, positive manner Preferred Qualifications: Bachelor\'s

degree and/or 5 + years Commercial / Agriculture underwriting experience

Knowledge of Commercial and Agricultural Banking systems and processes

Knowledge of compliance and banking regulations Good understanding of

financial products and services Lake Ridge Bank values a diverse

workforce and is an Affirmative Action/Equal Opportunity Employer.

Consistent with Lake Ridge Bank\'s commitment to employ and advance

qualified individuals with disabilities, Lake Ridge Bank provides

reasonable accommodation to apply for or perform a job. Some examples of

reasonable accommodation include alternate methods to apply, providing

documents in an alternate format, altering work procedures, specialized

equipment or use of an interpreter. If an individual needs reasonable

accommodations to apply or perform a job here at Lake Ridge Bank, please

contact Human Resources at (608) 849-2700 or email us. PI284713396

\*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:

https://www.click2apply.net/djBzbqFOX6zXNu4WMhJPQz

Small Business Underwriting Manager

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