Loan Underwriter

2 weeks ago


Houston, Texas, United States Golden Bank NA Full time
Job Description

At Golden Bank NA, we are seeking a skilled Loan Underwriter to join our team. As a key member of our lending department, you will play a critical role in ensuring the integrity of our loan portfolio.

Key Responsibilities:

  1. Loan Package Review: Conduct thorough reviews of loan packages to ensure all necessary documents are complete and organized.
  2. Financial Analysis: Perform in-depth financial analysis to assess creditworthiness and make informed lending decisions.
  3. Credit Decision Making: Collaborate with team managers and lenders to make recommendations on credit decisions, risk ratings, loan pricing, and credit structure.
  4. Loan Document Preparation: Prepare and collect loan documents for closing, ensuring all necessary documents are complete.
  5. Portfolio Management: Aid in the review and maintenance of our existing loan portfolio, including renewals, modifications, and collections.
  6. Financial Reporting: Collect financial data from clients and analyze it to meet financial reporting and covenant requirements.
  7. Business Development: Work with lenders to prepare concept memos and business proposal packages for prospective accounts.
  8. Lending Policies: Develop a deep understanding of our lending policies and procedures.
  9. Small Loan Portfolio Management: Manage small loan portfolios, including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
  10. Community Involvement: Participate in community and professional organizations and events.
  11. New Business Development: Develop new business opportunities to meet assigned annual goals.

Requirements:

To succeed in this role, you will need to have a strong understanding of lending policies and procedures, excellent analytical and communication skills, and the ability to work effectively in a team environment.



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