Underwriter

• Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling disciplinary actions as required
• Manages a commercial underwriting team that adjudicates credits with a variety of complexities
• Leads a team of Commercial Credit Underwriters
• Guides the team to properly structure new and existing credit exposure within the bank's risk appetite
• Ensures adherence to Risk Policies, implements operational risk processes, policies, and practices and drives satisfactory regulatory audits, loan review, internal audits, and compliance audits
• Possesses loan decision authority up to position authority limits as defined in credit policy and expected to attain and exercise exception and high-risk loan authority
• Takes part in decision appeal discussions with sales management and/or credit risk management
• Acts as a leader and participates in the on-going development of the Underwriting team
• Considers and discusses alternative structures such as SBA and other agencies with market and sales personnel
• Contributes to discussions of policy and standards adjustments with senior management
• Drives team to meet turnaround requirements in a loan production environment while maintaining strong quality
• Maintains satisfactory level of portfolio delinquencies and charge-offs
• Ensures departmental compliance with Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements
• Contributes to organizational strategic initiatives such as process improvement, system enhancements, and workflow
• Builds and maintains productive relationships with business partners within the Commercial Bank
• Coaches Credit Managers and Underwriters in developing value-added credit solutions consistent with the Bank’s Risk Appetite Principles
• Drives employee satisfaction and morale

Commercial Lending Underwriting Manager

Underwriting Specialist, Admitted Casualty