Consumer Underwriter/Credit Analyst I- Bank at C & F Bank – Toano, Virginia

Consumer Underwriter/Credit Analyst I- Bank

US-VA-Toano

Job ID: 2026-2957
Type: Regular Full-Time
# of Openings: 1
Category: Credit/Underwriting
C&F Bank Operations Center

Overview

As a Consumer Underwriter/Credit Analyst, you will be primarily responsible for underwriting consumer and residential real estate loans from the Bank’s retail branches. You will use sound and consistent underwriting and management of risk while balancing loan growth, credit quality, ensuring all Bank policy and government compliance needs are met, and that all customers - internal and external - receive the best service possible.

Responsibilities

65% Underwriting and Analysis

• Underwrites consumer and residential real estate loan requests from the Bank’s retail branches utilizing the loan origination software
• Analyze financial and non-financial information that is required for prudent loan approval and risk management practices.
• Develop appropriate questions from analysis and work with the Relationship Manager(s) to ensure complete underwriting and documentation packages.
• Perform complete and accurate cash flow analysis, to include Debt to Income ratios.
• Create complete and accurate credit memo
• Underwrites workout loan requests and modifications from the Bank’s existing loan portfolio
• Structures and prices loans to match loan needs of the customer and ensure Bank’s profit and risk is desirable, in accordance with the Bank’s current product offerings.
• Reviews appraisals as related to loan approvals to ensure Loan-to-Value guidelines are met and appraisals meet Bank-required standards
• Monitors all loan approvals for compliance purposes, keeping current with Regulation updates and changes
• Resolves any issues that arise during the underwriting process
• Adheres to all Bank policies and procedures as well as complying with all bank regulations

35% Special Projects/Other

• Acts as a credit services contact for Relationship Managers with questions about the Bank’s loan products and Loan Policy
• Assists with employee education and training as related to consumer underwriting, consumer loan regulations, and process training
• Participates in regular lending compliance meetings and projects
• Assists with loan pipeline activity reporting on a monthly or quarterly basis

Other Duties

• Assists with special projects and other duties as assigned

Qualifications

Knowledge

• Three to five years of previous related banking experience, including underwriting consumer, real estate, and/or small business loans.
• A demonstrated understanding of the principles of lending and loan processing is required.
• Experience and a level of proficiency with Microsoft Office preferred.

Skills:

• Excellent communication, interpersonal, organizational, math, and PC skills are required. Strong rapport-building, decision-making, and problem-solving skills are essential. Must possess a strong attention to detail.

Abilities:

• Able to communicate effectively with people at all levels. Must be an excellent listener and able to use sound, independent judgment while interacting with a diverse group of constituents. Handle several simultaneous tasks and work under time limits.

Education:

• Associates degree or equivalent is required, Bachelor’s degree preferred, preferably in finance, economics, or a related field. Some AIB classes, such as Principles of Banking, Consumer Lending, and Appraisal are desired. A combination of experience and education will be considered.

Physical demands:

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking.

Location:

The primary location for the department is the Bank’s Stonehouse Operating Center located in Toano, VA. Employee will be required to travel to this location for work, unless otherwise approved by the Credit Manager.

Travel

Must be able to travel to the Downtown Richmond Financial Center as required.

Work Environment:

Work is performed in an operational office environment.

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.