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Leads diverse administrative functions usually for a very large, complex department or business unit. Functions may include: financial control/budgeting and consolidation, personnel processes, audit/compliance, premises, and coordination of certain projects, associate training, service quality, process improvement, business continuity, or communication. May consult with senior management to define and lead projects that encompass and impact many associates. Requires a thorough knowledge of the department or business unit's functional area or products. Working knowledge of general bank policies, programs and procedures and financial/accounting practices. May provide workflow direction.
LOB Job Description: BTO UW is responsible for structuring and underwriting of Big Ticket Operations, HNW Client, Threshold and complex loan applications to ensure adherence to compliance, legal and procedural guidelines. On a day-to-day basis, UW will analyze and spread clients’ financial statements, corporate and personal tax returns and liquidity statements to determine clients’ capacity to acquire and service additional debt. This often includes analysis for self-employed applicants and/or executives with layered ownership interests in multiple companies and/or entities. Additionally, analyze complex asset review for clients with multiple sources and percentages of liquidity including cash, vested stock shares, unvested restricted stock, multiple retirement vehicles and equity ownership interests considered using different qualifying guideline parameters.
Minimum 4-5 yrs. of Consumer Vehicle Lending (CVL) Underwritingexperience