Business Underwriter Resume Samples

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J Denesik

Jessie

Denesik

7186 Conor Throughway

Dallas

+1 (555) 715 7192

7186 Conor Throughway

Dallas

Phone

p +1 (555) 715 7192

Experience Experience

Phoenix, AZ

Small Business Underwriter

Phoenix, AZ

Halvorson-Ratke

Phoenix, AZ

Small Business Underwriter

Will be actively involved in evolving the Small Business Lending Unit to include adding staff and enhancing loan servicing as the unit grows
Is active in servicing existing loan portfolios that are assigned and is responsible that periodic servicing has been performed
Presents facts and offers opinions/recommendations concerning applicant’s credit worthiness using the loan origination system
Maintains the Bank's lending and risk policies and standards, along with regulatory compliance guidelines, in all lending decisions
Analyzes financial data related to new and renewal loan requests, including lines of credit, commercial real estate, and equipment financing loans
Responsible for automobile travel within territory traveling to agent offices. Car travel represents approximately 10-20% of employee’s time
Participates in discussions with Small Business Team Leaders and Retail Banking Associates related to credit requests under consideration

Chicago, IL

Commercial / Small Business Underwriter

Chicago, IL

Becker LLC

Chicago, IL

Commercial / Small Business Underwriter

Responsible for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness
Other duties as assigned
Identify risk and mitigating factors related to conducting a thorough credit analysis for approval
Ensures credit requests are processed in accordance with bank policies, banking regulations and laws
Senior most level may function as a lead and be responsible for second level approvals
Responsible for evaluating, analyzing and forming opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications
Recommends exceptions based on findings

present

New York, NY

Senior Credit Analyst / Business Underwriter

New York, NY

Hilll Group

present

New York, NY

Senior Credit Analyst / Business Underwriter

present

Underwrites new transactions or modifications of the existing transactions. Transactions frequently will be medium to large, complex and may involve project finance, construction finance, syndications, permanent and bridge finance, subordinated debt, domestic and cross-border multi-currency facilities
Approves / rejects proposed transactions / modification requests within established credit authorities and recommends deals beyond credit authority
Recommends the optimal structuring of the new transactions or the existing transactions modification conditions
Consults with Legal Services Division to review contract documents and may oversee the booking and funding of transactions
Explains, defends, persuades and stands up for recommendations and position taken for all interested parties, while respecting underwriting recommendations and decisions
Visits existing and prospective financing customers to gather pertinent information for the initial underwriting, as well as maintain a valid risk profile on existing large transaction customers. Performs reviews and assessments of existing transactions to ensure the relative risk rating and overall portfolio quality has not deteriorated
Participates in accomplishment of continuous improvement objectives for the department. Leads / participates in departmental and cross-departmental internal projects and products development

Education Education

Bachelor’s Degree in Business

Georgia Southern University

Bachelor’s Degree in Business

Skills Skills

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
Considerable knowledge of credit analysis, underwriting, administration, policies and procedures
Good credit quality and risk analysis skills
Basic knowledge of credit analysis, underwriting, administration, policy and procedure
Develop an understanding of consumer compliance bank regulations in addition to the Office of Foreign Asset Control, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT Act
Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing
Proficient knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Outlook email program
Strong knowledge of Microsoft Outlook, Word & Excel
Contribute to the Bank's favorable image in the community by carrying out loan activities in a manner promoting customer goodwill
Contribute to the Bank's profitability by making small business which meet Bank standards for economic value and safety

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Small Business Underwriter Resume Examples & Samples

Five to eight years of experience in credit analysis and/or underwriting activities
Thorough understanding of general economic theory as it relates to the lending and business environment
Considerable knowledge of credit analysis, underwriting, administration, policies and procedures
Well-developed risk analysis skills
Excellent technical report writing skills

New Business Underwriter Resume Examples & Samples

Assessing credit applications; income and expenditure and all relevant financial information
Conducting customer due diligence and adhering to regulatory requirments
Making recommendations to credit committee, and applying credit ratings
Liaising with the senior management team, other credit colleagues and mentoring junior underwriters as required
Liaising with solicitors and legal representatives as required
Making recommendations for restructures if required, and liaising with mabs or other appointed third parties as appropriate

New Business Underwriter Resume Examples & Samples

Assess and recommend credit applications, as allocated on a daily basis, ensuring timely turnaround of assessment, in line with prevailing Lending Policies, Processes and Procedures
Provide a professional lending service while applying appropriate and effective credit governance / standards, and maintaining independence of credit approval
Have a proven high level of Underwriting Credit Skills with good commercial awareness
Be solution focused with strong interpersonal and negotiating skills and evidence of ability to interact, engage and influence
Have an ability to interpret and understand complex credit cases to be in a position to provide informed advice and/or approval in relation to credit decisions

Small Business Underwriter Resume Examples & Samples

Responsible for the underwriting of small business loan requests
Analyzes financial data related to new and renewal loan requests, including lines of credit, commercial real estate, and equipment financing loans
Presents facts and offers opinions/recommendations concerning applicant’s credit worthiness using the loan origination system
May recommend and/or approve credit requests within properly delegated authorities
Participates in discussions with Small Business Team Leaders and Retail Banking Associates related to credit requests under consideration
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual required or job-specific training. Follows all Bank policies and procedures and compliance regulations, and completes all required annual required or job-specific training. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
3-5 years of relevant credit analysis or commercial underwriting experience
Advanced knowledge of credit policies, procedures, practices and documentation
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships

Senior Credit Analyst / Business Underwriter Resume Examples & Samples

Underwrites new transactions or modifications of the existing transactions. Transactions frequently will be medium to large, complex and may involve project finance, construction finance, syndications, permanent and bridge finance, subordinated debt, domestic and cross-border multi-currency facilities
Formulates and prepares credit analysis and proposal to identify, assess and mitigate all material risks associated with the new transaction or the existing transaction modification request. Identification of material risks requires substantial critical thinking, research, and consultations with advisors in various areas. Risk elements may include, but are not limited to, industry sectors / markets in specific countries; technology; country political, sovereign and regulatory risks; profitability and cash flow analysis; complex financial modelling and forecasting of future pro forma financial results; and risks related to third party contracts to which the customer is either a party to or can be impacted by
Approves / rejects proposed transactions / modification requests within established credit authorities and recommends deals beyond credit authority
Recommends the optimal structuring of the new transactions or the existing transactions modification conditions
Consults with Legal Services Division to review contract documents and may oversee the booking and funding of transactions
Explains, defends, persuades and stands up for recommendations and position taken for all interested parties, while respecting underwriting recommendations and decisions
Visits existing and prospective financing customers to gather pertinent information for the initial underwriting, as well as maintain a valid risk profile on existing large transaction customers. Performs reviews and assessments of existing transactions to ensure the relative risk rating and overall portfolio quality has not deteriorated
Provides technical credit and risk training to Credit staff to improve underwriting, financial screening and structuring skills
Conducts and monitors Know Your Customer requirements / credit investigations. Manages the loan covenant compliance process and various loan retention accounts during the term of the loan
Participates in accomplishment of continuous improvement objectives for the department. Leads / participates in departmental and cross-departmental internal projects and products development
Travel: up to 15%

Small Business Underwriter Resume Examples & Samples

Work both independently and with the Bank's commercial underwriting unit, to underwrite and approve small business and commercial real estate loan requests. While making sure that loan quality standards are maintained position also ensures that the loan requests moves through the underwriting process smoothly and as quickly as prudence allows
Will be actively involved in evolving the Small Business Lending Unit to include adding staff and enhancing loan servicing as the unit grows
Maintains the Bank's lending and risk policies and standards, along with regulatory compliance guidelines, in all lending decisions
Actively seeks to find loan structure alternatives to requests that are not workable in order to meet the Customer's and Bank's needs, while remaining within the Bank's risk tolerances
Is ultimately responsible for the quality and accuracy of all written documentation of loan decisions and underwriting that is used to support credit decisions
Is active in servicing existing loan portfolios that are assigned and is responsible that periodic servicing has been performed
Performs all additional duties and activities as directed by the Chief Credit Officer
Three years of commercial and commercial real estate underwriting experience
Strong understanding of personal and business financial statements and tax returns
Ability and desire to make loan decisions and exercise individual loan authority
Ability to work within and lead an underwriting team
Ability to work with customers across our footprint
Knowledge of regulatory compliance

Large Market New Business Underwriter Resume Examples & Samples

Command of Underwriting tools and systems
Ability to make decisions, solve problems and meet challenges in completing work
Understanding of the Guardian’s various computer systems ( LOTUS Notes, SIMON, Zeus, Phoenix, Guardian Anytime, GCRS, Seibel, CPS, GPUM)
5 years of experience with Group Life, Disability, and Dental underwriting

Comerica Loan Center Business Underwriter Resume Examples & Samples

Evaluates all Business Loan Centerscored loan requests that require financial analysis using a thorough knowledge of Comerica Loan Center Credit Policy, guidelines and procedures
Assesses the risks inherent in each client industry and suggests appropriate financing vehicles
Exhibits the ability to utilize objective scoring tools, calculate basic key financial ratios and apply subjective criteria to render decisions
Ability to approve policy exception and guideline variances

Small Business Underwriter Resume Examples & Samples

Provide viewpoint on risk tolerance, caps and key risk indicators, and diversification to maximize risk adjusted returns
Evaluates proposed loan structures along with application risk which considers credit bureau, Lexis/Nexis and other information with the objective of balancing risk and reward, given SC’s defined buy box and risk appetite
Analyzes credit applications based on dealership’s program and that puts the dealer in a profitable position
Work with credit risk to proactively identify and escalate emerging risks with recommendations
Identify and escalate issues and observations as they arise
Provide feedback to the line of business and its risk controls ensuring consistency and compliance with risk management framework and policies
Assists in resolving problems that may arise on pending contracts
Supports Originations associates (Credit, Funding and Sales) as needed to ensure customer satisfaction and advocacy
Assists in system enhancements
Troubleshoots system defects. Responsible for UAT of system changes when needed
Performs other duties and special projects as assigned
Answers questions for other credit associates in the absence of the Underwriting Manager
Performs side-by-side training and system demonstrations for auditor and other personnel as needed
Cultivates business activity from an assigned territory to produce monthly contracts
Responsible for ensuring proper coverage for assigned team
Assists with training and mentoring of the Underwriting team as needed

Senior Small Business Underwriter Resume Examples & Samples

Work within specific authority level to quote, accept, decline and modify risks within territorial assignment in accordance with accepted underwriting guidelines. Refer all outside of authority to Supervisor or Agency Management Specialist
Apply knowledge and understanding of coverage forms, rating plans and guidelines in the selection and pricing of individual risks. Ensure adequate pricing of individual risks through proper classification, accuracy of information and adherence to company underwriting standards and philosophy
Work in unison with Agents, Regional Underwriters and AMS's and other department within the Selective community to grow a profitable book of "small business" based on agency/territory/team assignments. Actively markets small business product to agents and travels within assigned territory as necessary. Position requires ability to travel and a valid drivers license
Reinforce the ease of doing business with Selective by meeting or exceeding agent expectations and service quality on a consistent basis. Communicate openly and in a timely fashion
Monitor premium growth for each "small business" segment, within assigned territory, with the use of electronic reporting tools. Continually conduct profit and growth analysis by territory and agency as assigned
Develop and maintain effective working relationships with manager, peers and agents. Communicate openly and in a timely fashion to team members on individual progress and shares information
Keeps abreast of industry information, new ideas, products, or changes in competitor practice
Responsible for automobile travel within territory traveling to agent offices. Car travel represents approximately 20-30% of employee’s time
3-5 years of underwriting and/or marketing experience is required
Ability to analyze and underwrite according to company appetite and underwriting criteria
Ability to document underwriting thought process
Ability to effectively communicate with agents while applying the appropriate sense of urgency

Small Business Underwriter Resume Examples & Samples

Requires two year college degree, Bachelor’s degree in related field preferred; or equivalent combination of education and experience
Two or more years of experience in commercial credit analysis or small business underwriting
Knowledge of financial institution policies and procedures
Good organizational, communication and public relations skills, particularly in working with documentation that requires special or confidential handling
Knowledge of federal and state laws and regulations relating to small business lending, including SBA Express program policies and procedures
Work independently to review, analyze and approve/decline all small business loan requests in one or more of the following areas: lines of credit, auto/equipment loans, commercial real estate loans, and commercial credit cards for applicants
Develop proficiency in using the loan origination application processing system. Recommend terms, and conditions of loan that best fits the customer and the bank. Offer cross-sell opportunities to applicants that demonstrate the financial capacity to service the debt
Learn to analyze financial statements, perform tax analysis and determine cash flows
Assembles, collects and verifies accuracy of documentation needed for booking sound and safe loans
Contribute to the Bank's profitability by making small business which meet Bank standards for economic value and safety
Contribute to the Bank's favorable image in the community by carrying out loan activities in a manner promoting customer goodwill
Comply with policies, procedures, security requirements, and government regulations

Small Business Underwriter Resume Examples & Samples

Receives loan request packages, reviews package to ensure sufficient financial information is supplied to
Participates in special projects and assignments and performs other duties as assigned
Bachelor's degree (B.A.) from a four-year college or university in business, finance, or a related area with two or more years related experience in a financial institution, loan department, or similar area or equivalent combination of education and experience
Proficient knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Outlook email program
Excellent communication and interpersonal skills; ability to interact with customers, internal Bank personnel and third party entities required
Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
Ability to perform simple mathematic calculations, comprehend consumer loan documentation onboarding and logically resolve issues
Knowledge of consumer and small business lending practices and related areas

Small Business Underwriter Resume Examples & Samples

Four to five years of credit-related experience
Thorough knowledge of credit analysis, underwriting, administration, policy and procedure
Good credit quality and risk analysis skills
Strong PC skills
Effective technical report writing skills

Small Business Underwriter Resume Examples & Samples

General knowledge of
Insurance industry rules, regulations, and legal requirements
Familiarity of assigned territory, including competitive position and marketplace
Financial/business/hazard/premium analysis
All underwriting/rating system
Ability to implement recommendations, once approved, with minimal supervision
Ability to represent company vision and strategies to multiple audiences

Small Business Underwriter Resume Examples & Samples

Analyze small business financial statements and perform cash flow analysis on a variety of small business loan products. Products include unsecured, equipment financing, commercial portfolio mortgage, construction and working capital lines of credit
Effectively communicate with Lenders , Para Lenders and Management concerning approved and declined small business loans
Perform in accordance to the bank’s efficiency standards
Administer and maintain the systems, databases, logs and files utilized in CCU
Perform special projects and tasks as required by the department
Exercises discretion and good judgement in the performance of essential job functions
Maintains good punctuality and attendance to work
Possess a basic knowledge of credit analysis for small business lending
Understanding of accounting principles and both business and personal financial statements and tax returns
Develop an understanding of consumer compliance bank regulations in addition to the Office of Foreign Asset Control, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT Act
Strong knowledge of Microsoft Outlook, Word & Excel
Ability to prioritize tasks in a fast-paced environment
Equipment Used in Job Performance/Working Environment
Cell Phone
Bachelor’s degree in business or Finance preferred or commensurate work experience
3+ years of banking, credit underwriting and or lending experience including a basic knowledge of small business lending

Commercial / Small Business Underwriter Resume Examples & Samples

Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience
Basic knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures
Basic knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval
Knowledge of balance sheets, income and cash flow statements
Good understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations
Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information
Ability to accept responsibility and handle confidential information

Small Business Underwriter Resume Examples & Samples

Responsible for new small business (<$25k) production in assigned territory. Gather, analyze and evaluate risk exposure through appropriate risk documentation. Adopt proactive actions and/or make proactive recommendations to improve risk profitability
Work within specific letter of authority to quote, accept, decline and modify risks within territorial assignment in accordance with accepted underwriting guidelines. Refer all outside of authority to Small Business Territory Manager or Agency Management Specialist
Apply knowledge and understanding of coverage forms, rating plans and underwriting guidelines in the selection and pricing of individual risks. Ensure adequate pricing of individual risks through proper classification, accuracy of information and adherence to company underwriting standards and philosophy
Answer incoming calls from agents on coverage, billing questions, and making adjustments to policy information based upon prescribed authority for new business submissions (“small business” accounts under $25,000) on Commercial Property and Casualty lines of business. Effectively communicate underwriting decisions and appetite to agents
Work in unison with Agents, Regional Underwriters and AMS's and other departments within the Selective community to grow a profitable book of "small business" based on agency/territory/team assignments. Actively markets small business product to agents and travels within assigned territory, as necessary
Reinforce the ease of doing business with Selective by meeting or exceeding agent expectations and service quality on a consistent basis. Communicate openly and in a timely fashion. Drive agent adoption of our technology through our training efforts in CLAS
Develops knowledge of industry information, products, competitors, and customer preferences
Responsible for automobile travel within territory traveling to agent offices. Car travel represents approximately 10-20% of employee’s time
Minimum of 1 year of underwriting and/or marketing experience preferred
Designations of AU or CIC or CPCU preferred
Demonstrate proficiency in usage of all supplied desktop tools, including the automated underwriting and email systems
Ability and desire to develop and execute pro-active marketing strategies
Must be able to build effective relationships with agents, regional underwriting, management and peers
Position requires ability to travel and a valid state issued driver’s license in good standing

Small Business Underwriter Resume Examples & Samples

At least one year of credit-related experience
Basic knowledge of credit analysis, underwriting, administration, policy and procedure
Basic understanding of general economic theory as it relates to the lending and business environment

Commercial / Small Business Underwriter Resume Examples & Samples

Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data. Interprets outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted
Responsible for evaluating, analyzing and forming opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications
Responsible for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness
Ensures credit requests are processed in accordance with bank policies, banking regulations and laws
Identify risk and mitigating factors related to conducting a thorough credit analysis for approval
Responds to internal and external customer inquiries
Recommends exceptions based on findings
May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables
May have authority to approve loans beyond the organizations guidelines
Senior most level may function as a lead and be responsible for second level approvals
Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience. A combination of education and experience may meet qualifications

Small Business Underwriter Resume Examples & Samples

Evaluating Applications: Your main focus will be to analyze customer's creditworthiness and make underwriting decisions. Using our proprietary models and your own underwriting expertise, you will analyze information provided in applications, credit bureau information and other third party data to determine whether to approve or decline applications
Improving Underwriting Process and Policy: You will work closely with our Product and Engineering teams to improve the underwriting process and workflow. You will also work to optimize the application and experience for customers, while identifying areas in need of further incremental improvement
Risk Model and Underwriting Policy Improvement: You will work closely with our risk modeling teams to strengthen our credit and fraud underwriting models and policies
Shape the team, set project goals, and plan for efficient underwriting work flow as the business scales
With a compliance first attitude, identify issues, improve quality, and mitigate risk
3+ years of experience in small business, or commercial underwriting
Empathy and understanding of the small business owner and their finances
Knowledge of financial statement components and solid understanding of key risk drivers
Ability to work in a fast paced and quickly changing environment
Strong communication skills with the ability to simply lay out the conclusions and reasons for each decision
Strong analytical skills with real credit awareness and a practical approach to implementing processes
Ability to constantly focus on the process and to develop and implement operational changes in order to improve efficiency and limit risk throughout the underwriting process