Commercial Underwriter III

About the Role:

We are seeking a highly skilled Commercial Underwriter III to join our Credit Team at Univest Financial Corporation.

As a key member of our team, you will be responsible for ensuring commercial loans are underwritten within the principles of sound banking practices and established policy guidelines.

You will partner with Relationship Managers and Credit Officers in the underwriting process, acting in a leadership role as a mentor within the department to analysts of lesser experience.

Key Responsibilities:

• Partner with Relationship Managers and Credit Officers in the underwriting process.
• Ensure commercial loans are underwritten within the principles of sound banking practices and established policy guidelines.
• Act as a mentor within the department to analysts of lesser experience.
• Be the primary point of contact for a team of Relationship Managers and partner with other team members to ensure the timely completion of all credit assignments.
• Ensure the presence of a credit culture consistent with the Univest Asset Quality objectives and strategic plan established by the Board of Directors.
• Provide support to the Credit Services Team through mentoring, problem resolution, and goal-setting.
• Stay abreast of the risk tolerance status for the various loan types and keep the lending and credit teams informed of any changes that might impact their marketing and loan negotiations.
• Identify potential problem credits and work with Relationship Managers and Credit Officers to provide guidance in restructuring the credit and/or minimize losses.
• Assist in the credit aspects of all regulatory exams, internal loan audits, and external loan audits, as necessary.

Requirements:

• Bachelor's Degree in Finance, Accounting, Business Administration, or Economics required.
• Minimum ten (10) years of related commercial underwriting experience.
• Advanced credit risk analysis, EBTIDA analysis techniques, and complex lending structures in the leveraged lending arena.
• Projection creation and sensitivity.
• Financial modeling and syndicated lending experience required.
• Formal commercial credit training program or regulatory environment preferred.

About Univest Financial Corporation:

Univest Financial Corporation is a full-service financial institution with approximately $7.9 billion in assets and $5.0 billion in assets under management and supervision.

We are committed to providing a full-range of financial solutions for individuals, businesses, municipalities, and nonprofit organizations in the Mid-Atlantic Region.

Our company has a strong philanthropic spirit and a commitment to giving back to our local communities.