Senior Commercial Underwriter / Bank Credit Analyst
Pathward
full-time
Posted on:
Location Type: Remote
Location: Arizona • Kentucky • United States
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Salary
💰 $104,000 - $150,000 per year
Job Level
About the role
- Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner.
- Understand and apply credit policies, corporate Program Standards, and minimum underwriting standards.
- Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective, both prior to proposal issuance and thereafter.
- Review and analyze new deal packages for content and completeness.
- Order and review due diligence and documentation.
- Review and analyze financial statement spreads and understand cash flows.
- Review and understand collateral and financial trends indicated therein.
- On occasion, be willing to visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount.
- Gain a thorough understanding of the prospect's business and what is impacting the company’s growth, or declining, performance.
- Review reporting requirements and processing with clients.
- Analyze debtor information in conjunction with Debtor Credit Manager.
- Prepare the credit narrative/CAR (Credit Approval Report) for appropriate approval and/or credit committees.
- Be able to review the closing documentation and effectively negotiate with the prospect client, internal/external legal counsel, and/or other transaction stakeholders
- Mentor and train analysts, and less experienced business development representatives.
- Other duties as assigned.
Requirements
- Bachelor's degree or equivalent education and work experience.
- 5+ years relevant experience.
- Business Acumen, Customer Focus, Collaborates, Communication Skills, Negotiating
- Must have the ability to self-train and quickly adapt to various IT systems and procedures, which are utilized by the business on a daily basis.
Benefits
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Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
underwritingcredit analysisfinancial statement analysisdue diligencecredit narrative preparationcash flow analysiscollateral reviewnegotiationbusiness analysis
Soft Skills
business acumencustomer focuscollaborationcommunication skillsnegotiatingmentoringtrainingadaptabilityconsultative approach
Certifications
Bachelor's degree