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East Cambridge Savings Bank

Cambridge, Massachusetts

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First State Bank & Trust

Basehor, Kansas

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Chain Bridge Bank, N.A.

McLean, Virginia

Merchants Commercial Bank USVI

U.S. Virgin Islands

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Gulf Capital Bank

Texas

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Newburyport Bank - Newburyport, MA

Newburyport, Massachusetts

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Newburyport Bank - Newburyport, MA

Newburyport, Massachusetts

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Luther Burbank Savings

Irvine, California

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Northfield Savings Bank

Berlin, Vermont

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Cape Cod 5

Cape Cod, Massachusetts

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International Bank of Chicago

STONE PARK, Illinois

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Alerus Financial

Grand Forks, North Dakota

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Eagle Bank

Everett, Massachusetts

Gainey Business Bank

Scottsdale, Arizona

Gainey Business Bank

Scottsdale, Arizona

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County National Bank

Hillsdale, Michigan

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The Commerce Bank of Oregon

Portland, Oregon

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WATERTOWN SAVINGS BANK

WATERTOWN, Massachusetts

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Hometown Bank

Kent, Ohio

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Direct Federal Credit Union

Needham, Massachusetts

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Independent Bank

Muskegon, Michigan

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Superior National Bank

Hancock, Michigan

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Bank of Ann Arbor

Ann Arbor, Michigan

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Busey

Creve Coeur, Missouri

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Middlesex Savings Bank

Natick, Massachusetts

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Commercial Underwriter, C&I
DUTIES AND RESPONSIBILITIES Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines. Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals. Work with Commercial Relationship Managers or other Lending staff to prepare clear and concise Commercial Credit Approval Request (CCAR) memos that include all pertinent information associated with the overal risk of the loan, identifying the strengths and weaknesses of the Borrower. Evaluate collateral, industry data and other relevant credit information. Assist with Portfolio Mana


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