Underwriter - Franchise Finance

4 weeks ago

Dallas, United States Gulf Coast Bank & Trust Company Full time

Description Summary The Underwriter will be responsible for evaluating franchise and other loan program applications based on established criteria, Standard Operating Procedures, and other government lending guidelines. The primary role is to conduct in-depth analysis of financial information and preparation of the financial spreads and Credit Approval Memorandum (CAM) to form a recommendation of approval or denial of new loans. The Underwriter will also present the loan to the appropriate level of credit approval authority. Responsibilities Performs a variety of duties to support the Lending/Franchise Finance team which includes, but is not limited to, Collecting, analyzing, and evaluating financial and related data to determine credit worthiness of loan prospects and merits of specific loan requests. Reviews application for completeness. Requests missing information. Maintains and organizes the loan file. Orders third party reports (credit reports, background checks, eligibility items, appraisals, etc.), prepares financial spreads. Works in coordination with the Business Development Officer and other team members to gather all necessary information to present an accurate and complete picture of the loan presented. Calls on loan applicants to fully understand their business model, financing needs and specific risks the business encounters. Perform in-depth due diligence and analysis for cash flow, financial capacity, and eligibility, including, but not limited to the following: Spread and interpret financial statements, tax returns, and projections. Complete the spreads to include an analysis of the balance sheet, income statement, cash flow analysis, personal cash flow analysis, collateral analysis, global cash flow, economic and industrial factors, and debt service capacity. Compare the subject business to the appropriate industry market conditions and ratio analysis. Prepare the comprehensive Credit Approval Memorandum with a credit decision recommendation in accordance with company Policy and Procedures and the current Standard Operating Procedures. The analysis will include an outline of the risks and mitigating factors of the loan request based upon the overall analysis of the application and supporting documents. When needed, the Underwriter will provide additional recommendations on a revised loan structure that will better fit the applicants’ financial needs. Assignment of accurate risk ratings for new loans to minimize the Bank’s credit philosophy. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank’s compliance with all regulatory requirements. Assists with various administrative tasks to support department operations, as directed; may also be assigned special projects. Adheres to policy & procedure of the Franchise Finance group and must comply with BSA/AML/OFAC regulations and guidelines. Participates in outside classes, seminars, meetings, and training to constantly improve development, remain current and aware of new growth opportunities. Follows all safety and security procedures. Performs other related duties as assigned. Requirements Skills/Experience/Education Bachelor's degree required, with a preference for a degree in Accounting, Finance, Economics or other related fields required. Minimum of 3 years of experience, preferred. SBA 7(a) credit underwriting experience is a plus. Demonstrate excellent communication (written and verbal) and interpersonal skills. PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software. Ability to work well independently and within a team environment with proven ability to meet deadlines. Attention to detail is imperative. Must have strong organizational and time management skills with the ability to learn and prioritize specialized loan processing tasks. Must be a self-starter with the ability to multi-task. Essential Mental & Physical Requirements Ability to travel if required to perform the essential job functions. Ability to work under stress and meet deadlines. Ability to read and interpret a document if required to perform the essential job functions Prolonged periods of sitting at a desk and working on a computer may be required. Ability to lift/move/carry approximately 15 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division any “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement. Gulf Coast Bank & Trust Company and its subsidiaries is committed to a diverse and inclusive workforce. We are committed to equal employment opportunities without regard to race, color, genetic information, religion, sex, affectional or sexual orientation, gender identity or expression, age, marital status, military and veteran status, physical and mental disability, and any other characteristic protected by applicable law. We believe in attracting, retaining, and promoting quality talent and recognize that our diversity is critical to the success of the company.

#J-18808-Ljbffr

  • Underwriter - Franchise Finance

    3 weeks ago

    Dallas, United States Gulf Coast Bank and Trust Company Full time

    Job Type Full-time Description Summary The Underwriter will be responsible for evaluating franchise and other loan program applications based on established criteria, Standard Operating Procedures, and other government lending guidelines. The primary role is to conduct in-depth analysis of financial information and preparation of the financial spreads and...

  • Underwriter - Franchise Finance

    2 months ago

    Dallas, United States Gulf Coast Bank and Trust Company Full time

    Job Type Full-time Description Summary The Underwriter will be responsible for evaluating franchise and other loan program applications based on established criteria, Standard Operating Procedures, and other government lending guidelines. The primary role is to conduct in-depth analysis of financial information and preparation of the financial spreads and...

  • Loan Closer

    2 weeks ago

    Dallas, United States Gulf Coast Bank & Trust Company Full time

    Description Summary The Loan Closer’s primary responsibility is to close loans in compliance with the requirements set forth by the bank and specific government agency (if applicable). Additionally, they will ensure that the loans are properly documented and disbursed in accordance with the loan approval. The position requires someone who is detail...

  • Loan Closer

    2 weeks ago

    Dallas, United States BankTalent HQ Full time

    The Loan Closer's primary responsibility is to close loans in compliance with the requirements set forth by the bank and specific government agency (if applicable). Additionally, they will ensure that the loans are properly documented and disbursed in accordance with the loan approval. The position requires someone who is detail oriented, well organized and...

  • Loan Closer

    2 months ago

    Dallas, United States Gulf Coast Bank and Trust Company Full time

    Job Type Full-time Description Summary The Loan Closer's primary responsibility is to close loans in compliance with the requirements set forth by the bank and specific government agency (if applicable). Additionally, they will ensure that the loans are properly documented and disbursed in accordance with the loan approval. The position requires someone who...

  • Mortgage Underwriter

    2 weeks ago

    Dallas, United States Contemporary Staffing Solutions Full time

    Job DescriptionJob DescriptionSeeking a detail oriented Component Underwriter to join our client for a temporary, remote opportunity offering up to $30/hour depending on experience! As the Component Underwriter, you will be responsible for assessing and underwriting mortgage loan applications while ensuring compliance with regulatory...

  • Mortgage Underwriter

    2 weeks ago

    Dallas, United States Contemporary Staffing Solutions Full time

    Job DescriptionJob DescriptionSeeking a detail oriented Component Underwriter to join our client for a temporary, remote opportunity offering up to $30/hour depending on experience! As the Component Underwriter, you will be responsible for assessing and underwriting mortgage loan applications while ensuring compliance with regulatory...

  • Associate, Underwriting

    2 weeks ago

    Dallas, United States ORIX USA Full time

    Associate, Underwriting - Affordable Purpose and Job Summary The Associate is responsible for processing and analytical duties in support of underwriting multifamily mortgage financing programs. The Associate must demonstrate attention to detail, strong organizational skills, and analytical ability. The Analyst must take the initiative to drive the document...

  • Mortgage Underwriter

    2 weeks ago

    Dallas, United States Contemporary Staffing Solutions Full time

    Job DescriptionJob DescriptionContemporary Staffing Solutions is seeking a detail oriented Component Underwriter to join our client for a temporary, remote opportunity offering up to $30/hour depending on experience! As the Component Underwriter, you will be responsible for assessing and underwriting mortgage loan applications while ensuring compliance...

  • Mortgage Underwriter

    2 weeks ago

    Dallas, United States Contemporary Staffing Solutions Full time

    Job DescriptionJob DescriptionContemporary Staffing Solutions is seeking a detail oriented Component Underwriter to join our client for a temporary, remote opportunity offering up to $30/hour depending on experience! As the Component Underwriter, you will be responsible for assessing and underwriting mortgage loan applications while ensuring compliance...

  • Underwriting Assistant

    1 month ago

    Dallas, United States TEKsystems Part time

    Description:As an Underwriting Assistant to an Industry-leading International Insurance Institution you will be responsible for working with top National and State Wide companies as well as High-Profile Clients. Assist the team in maintaining efficient underwriting processes and providing customer service to their Clients. Work on a flexible and innovative...

  • Underwriting Assistant

    4 weeks ago

    Dallas, United States VORTO Full time

    Description:As an Underwriting Assistant to an Industry-leading International Insurance Institution you will be responsible for working with top National and State Wide companies as well as High-Profile Clients. Assist the team in maintaining efficient underwriting processes and providing customer service to their Clients. Work on a flexible and innovative...

  • Underwriting Manager

    1 month ago

    Dallas, United States Amnetmtg Full time

    Dallas, United States | Posted on 12/02/2023 Be An Owner: Unlock the Full Potential of Your Career with AmNet Your Path to Ownership Awaits Are you tired of the traditional corporate structure that limits your growth and creativity? Do you crave an environment where your input isn’t just welcomed, but integral to the success of the company? Welcome to...

  • Public Finance Operations Associate

    3 weeks ago

    Dallas, United States PrimeLending Full time

    HilltopSecurities is currently looking to hire a Public Finance Operations Associate. The Operations Associate serves as a member of the Public Finance Operations team by providing expertise in tracking and managing banker relationships, as well as transaction information using data management systems including Denali (SharePoint software that automates...

  • Junior Medical Underwriter

    2 weeks ago

    Dallas, United States VUMI Canada Inc. Full time

    ORGANIZATIONAL INFORMATION Dallas Risk Management (DRM) is a Managing General Underwriter, or MGU, for health insurance policies. With a team of top industry experts that have been carefully selected by the CEO, Dallas Risk Management provides services that are tailored to address the risks involved during the health insurance lifecycle. Our mission is to...

  • Underwriter Assistant

    2 weeks ago

    Dallas, United States Bass Underwriters Full time

    Overview: The Opportunity Underwriter Assistant - Dallas, TX Salary starting at $50,000 per year plus bonus opportunities! Looking for a dynamic job that provides growth? Are you driven and connect easily with others? This position is for you! We are currently looking to add an Underwriter Assistant to our team. An Underwriter Assistant provides support to...

  • Public Finance Banker

    4 weeks ago

    Dallas, United States Stephens Full time

    ESSENTIAL DUTIES AND RESPONSIBILITIESPrepare written proposals and pitch books, make presentations to prospective and existing client base, and manage public finance negotiated underwritings and private placements. Assist other bankers with the goal of increased productivity and profitability. Craft responses to requests for proposals, which may include...

  • Public Finance Banker

    4 weeks ago

    Dallas, United States Stephens Full time

    Prepare written proposals and pitch books, make presentations to prospective and existing client base, and manage public finance negotiated underwritings and private placements. Assist other bankers with the goal of increased productivity and profita Finance, Banker, Banking

  • Underwriter - Energy Technical Underwriters

    1 month ago

    Dallas, United States CRC GROUP INC Full time

    The position is described below. If you want to apply, click the Apply button at the top or bottom of this page. You'll be required to create an account or sign in to an existing one. Need Help? If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests...

  • Senior Mortgage Underwriter

    1 month ago

    Dallas, United States Amnetmtg Full time

    Dallas, United States | Posted on 12/02/2023 Be An Owner: Unlock the Full Potential of Your Career with AmNet Your Path to Ownership Awaits Are you tired of the traditional corporate structure that limits your growth and creativity? Do you crave an environment where your input isn’t just welcomed, but integral to the success of the company? Welcome to...