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Senior Credit Underwriter

2 months ago

Phoenix, United States CivicMinds, Inc Full time

QUALIFICATIONS:

Knowledge, Skills & Abilities

1. Bachelor’s Degree or equivalent related experience.

2. Minimum of five years of experience in commercial business and real estate loan underwriting specifically in SBA, USDA loans required, plus prior non-SBA C&I loan experience is preferred.

3. Prior experience in sales as a BDO or relationship management.

4. Strong knowledge and experience of GGL policy and procedures.

5. Advanced analytical and problem-solving skills with prior commercial lending experience.

6. Proficient in financial analysis centered in credit quality and cash flow including accounting, spreading financial statements and tax returns.

7. Strong verbal and written communication skills.

RESPONSIBILITIES:

1. Serves as the Subject Matter Expert and Liaison to/for SBA and GGL Programs.

2. Prepares loan credit memorandums and recommends credit decision upon the review and analysis of the loan application package and supporting documentation.

3. Packages GGL loans for submission and obtains applicable approvals/authorizations.

4. Proficient management with interaction with CAFS/ETran portal including the resolution of screen outs.

5. Reviews the official SBA authorization and loan agreement for accuracy and to ensure the terms and conditions correspond with he approved credit approval and credit authorization.

6. Thorough understanding of GGL compliance and reporting requirements.

7. Evaluates CRE, business acquisitions, equipment, expansions, start-up, and tenant improvement project requests are in compliance with bank underwriting guidelines along with GGL requirements.

8. Analyzes and spread borrower financial data including financial statements, tax returns, projections, real estate and debt schedules, leases, credit reports, background reports, character review and resumes.

9. Reviews title reports, UCC filings, appraisals, environmental reports, and business valuations.

10. Completes industry analysis assessing and mitigating credit risk.

11. Facilitates communications and information between bank personnel, GGL offices, and third-party partners.

12. Contacts/communicates/assists GGL and non-GGL Business Development Officers to discuss issues, collect needed documentation and manage workflows from application generation through loan closing.

13. Directs and reviews proper loan documentation, both attorney-prepared and generated from LaserPro.

14. Assists in portfolio management, servicing requests, annual reviews, and special asset transfers.

15. Provides training to processors and commercial credit analysts as needed.

16. Maintains knowledge of updates to the loan policy, procedural notices, and GGL SOP’s

17. Complies with all regulatory requirements.


EDUCATION & EXPERIENCE

  • Bachelor’s Degree in accounting, business or finance preferred.
  • 5 years in Commercial Banking Government Guaranteed Lending (e.g., Credit Administration, Commercial Credit Underwriting, Portfolio Management or Commercial Lending) is required.

ENVIRONMENT & PHYSICAL DEMANDS:

  • Ability to lift a minimum of 20lbs. (e.g., file boxes).
  • Must be able to sit, stand, bend and stoop.
  • Sitting/Standing for 90% of the time.
  • Requires ability to use keyboard up to 8 hours.
  • Travel may be required.