Commercial Underwriter Resume Samples

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P Hyatt

Precious

Hyatt

70976 Helen Spurs

Chicago

+1 (555) 206 3143

70976 Helen Spurs

Chicago

Phone

p +1 (555) 206 3143

Experience Experience

Chicago, IL

Commercial Underwriter

Chicago, IL

Russel LLC

Chicago, IL

Commercial Underwriter

Spreads financial statements as provided by Commercial Relationship Manager and distributed by Underwriting Manager
Manage pipeline of 7-10 loans and ensure proper timeline management and communication to client and senior management
Works directly with the Commercial Relationship Manager / Underwriting Manager / Commercial Underwriter IV to ensure accurate spreading of financials
Aids in covenant check and other portfolio management support as requested by the Underwriting Manager
Work in partnership with the Bankers to develop client relationships that would include being looked to as the "go to" person when the banker is out
Provides assistance and exceptional sales support to all sales staff in answering questions relating to commercial loans
Work in partnership with the Bankers to develop Client relationships including being considered as the "go to" person when the banker is out

Boston, MA

Commercial Lending Underwriter

Boston, MA

Ebert, Hermann and Bartell

Boston, MA

Commercial Lending Underwriter

Validation of the business applying and who the accurate “legal” owners are through documentation provided and/or public record search
Review field summary comments provided with business background and sales volume status
Provides prompt, accurate and courteous service to both internal and external customers
Review NGC system for existing account performance overall in relation to account modification reviews
Mentor field staff as to “Why” and the process to improve all around knowledge and efficiency
Manage multiple priorities in a fast paced high volume environment within department timeframes while maintaining ongoing attention to detail
Demonstrate leadership by consistently providing guidance and mentorship to other underwriters

present

San Francisco, CA

Senior Commercial Underwriter

San Francisco, CA

Stiedemann, Ortiz and Batz

present

San Francisco, CA

Senior Commercial Underwriter

present

Rendering assistance to lending officers on credit matters and loans involving unusual situations or requiring close scrutiny
Assists Commercial Relationship Managers (CRMs) in managing day-to-day details for larger relationships, maintaining contact with clients and resolving issues
Participates in customer and prospect calls with the CRM, outside calling and other marketing efforts
Prepares summary and/or credit approval report documenting credit analysis and supporting information for credit decision recommendations
Performs financial statement analysis for individuals and various types of businesses, typically involving complex and interlocking relationships
Provides leadership for other Underwriters within the unit and may manage/supervise associates by assigning work and resolving problems
Rendering guidance to lending officers on credit matters and loan structures

Education Education

Bachelor’s Degree in Business Related Field Business With Emphasis

Georgetown University

Bachelor’s Degree in Business Related Field Business With Emphasis

Skills Skills

Demonstrates analytical aptitude with strong problem-solving skills and ability to make quick decisions
The Underwriter III will be either proficient or show the ability to be proficient in using Chase's internal reporting and data entry systems
The Underwriter II will be either proficient or show the ability to be proficient in using Chase's internal reporting and data entry systems
Demonstrates ability to work under pressure given large workload and frequent deliverables
The ability to develop good working relationships with sales/marketing personnel and clients
Ability to work with mathematical concepts such as probability and statistical inference
Ability to interface effectively with other banking professionals including loan officers, credit managers, loan closers, appraisers, accountants and auditors
Good attention to detail
Demonstrates strong proficiency in Microsoft Office (Excel, Word)
3) The ability to work efficiently by meeting deadlines without sacrificing quality

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15 Commercial Underwriter resume templates

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Underwriter, Commercial Bank Resume Examples & Samples

Assist in the ownership of an assigned portfolio, acting with a sense of urgency, doing whatever it takes to effectively get the job done
Assist in the structuring of specific client facilities
Work in partnership with senior underwriters and Bankers to develop fulsome Client relationships
The ability and courage to voice your opinion in a clear, concise manner and to defend that position when requested
Preparation and analysis of monthly client data information
Ability to work effectively and efficiently with the MWF Ops Team located in Irving, Texas
Occasional client visits when requested
Ability to function in a fast paced, deadline driven environment
Strong financial company level analysis required
BA/ BBA/MBA, completion of a major corporate bank credit training program (or the equivalent corporate banking / corporate finance experience) and typically a minimum of 3 years in banking / lending experience which might include credit, structuring and marketing
Demonstrated superior verbal and written skills, interpersonal skills, and analytical problem solving skills
Mortgage Banking experience a plus

Commercial Underwriter, Multi Resume Examples & Samples

Standards relating to the appropriate documentation of work activities
General concepts relating to analyzing property operating statements as well as personal financial statements of individual sponsors
Concepts and methodologies relating to database access and maintenance preferred
Sources and availability of data and resources relative to specific work products
Knowledge of organization structure, specific regulations, policies, and procedures
Establish and maintain effective relations as required by the duties of the position
Use automated systems and operate office equipment at an acceptable level of proficiency
Understand and apply financial analysis methodologies to achieve/produce a desired result
Develop mathematical models that produce the desired result
Identify deficiencies in the modeling environment and execute corrective action to forestall or remedy the issue
Independently plan and conduct non-routine financial analysis/reporting projects
Understand basic computer programming sufficient to assist with the implementation of new software enhancements
Graduation from a college or university with major course work in a discipline related to the work of the position, Business, Finance, Accounting or Real Esate

MM Commercial Underwriter Resume Examples & Samples

Uses credit authority to approve extensions of credit predominantly operational in nature
Will handle market-wide projects related to operating risk initiatives
Focus on TS structures and operating risk combined with sound underwriting of small revolving and term facilities using Chase’s in-house documentation unit and internal counsel
4 to 7 years professional banking experience
BA/BBA/MBA and completion of a formal major corporate bank credit analyst training program (or the equivalent corporate banking/corporate finance experience) and
Minimum of 2- 5 years underwriting /banking/lending experience which might include credit, structuring and marketing

Commercial Underwriter Resume Examples & Samples

Utilizing excellent credit skills to author well thought out and concise analysis of relationships using appropriate structure and identifying key risks
Work in partnership with the Bankers to develop Client relationships including being considered as the "go to" person when the banker is out
Providing leadership in the market by being a positive contributor to the team and embracing change
Demonstrating excellent communication skills both internally and externally and using those communication
BA/BBA/MBA and completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience) at least 4 years experience in commercial banking/lending which should include credit, structuring, and syndicated loan, restructuring, and marketing experience
Significant accounting, finance, and capital markets knowledge and commercial banking experience,

Commercial Underwriter Resume Examples & Samples

Structuring transactions by being open minded and creative while balancing the risk/reward
Work in partnership with the Bankers to develop client relationships that would include being looked to as the "go to" person when the banker is out
Provide appropriate structures from simple to complex and provide insightful and well thought recommendations that maximizes return and minimizes risk
Providing leadership in the market by being a positive contributor to the team including: being a mentor to less experienced team members and embracing change
The Underwriter II will also have the potential ability or aptitude to underwrite Syndications and Participations. Actual underwriting experience is not required
The Underwriter II will actively manage their portfolio to minimize portfolio metric exceptions and will need to be cognizant of macro and regional economic trends that impact the financial stability of our clients. Concurrent with a close understanding of our client's business, an Underwriter I needs to appropriately risk rate the client relationship
The Underwriter II will be either proficient or show the ability to be proficient in using Chase's internal reporting and data entry systems
Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems
BA/ BS with a concentration in accounting or finance and completion of a major corporate bank credit training program (or the equivalent corporate banking / corporate finance experience) and typically a minimum of 5 years in banking / lending experience which should include credit, structuring and marketing
Demonstrated superior verbal and written skills, interpersonal skills, and analytical , problem solving skills
MBA is a plus

Commercial Underwriter, Small Business Resume Examples & Samples

Bachelor’s degree. Preferably in a business related field
0-2 Years Previous Small Business Credit Scoring and Underwriting experience required
Working knowledge of Commercial /Private Banking loan products
Basic knowledge of credit policies, procedures, principles and philosophy
Ability, at a working level, to make sound transactional decisions in accordance with policies and directives
Ability to make timely decisions in a fast paced, production environment
Ability to take responsibility for personal performance and development

Commercial Underwriter, Multi Resume Examples & Samples

BA/BBA/MBA in Accounting, Finance, or Real Esate, and completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience)
A minimum of 2 years experience in commercial banking/lending, preferrably in commercial real estate lending in both construction and permanent financing
Possesses significant accounting and finance knowledge
Demonstrated strong verbal and written skills, interpersonal skills, and analytical and problem solving skills

Commercial Portfolio Underwriter Resume Examples & Samples

A contributing member of the deal team, managing transactions to completion with little or no guidance from immediate manager
Possesses accounting and finance knowledge, and commercial banking experience. Excellent verbal and written communication skills are required. Ability to work independently with minimal supervision
Client facing , as needed

Underwriter, Commercial Real Estate Resume Examples & Samples

BA/BBA and completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience)
Minimum of two (2) years experience in a commercial banking/lending or other credit intensive firm
Demonstrated significant accounting and finance knowledge, as well as knowledge of real estate fundamentals and concepts
Strong verbal and written communication skills, interpersonal skills, analytical and problem-solving skills

Commercial Underwriter Resume Examples & Samples

The Underwriter III will also have the potential ability or aptitude to underwrite Syndications and Participations. Actual underwriting experience is not required
The Underwriter III will actively manage their portfolio to minimize portfolio metric exceptions and will need to be cognizant of macro and regional economic trends that impact the financial stability of our clients. Concurrent with a close understanding of our client's business, an Underwriter I needs to appropriately risk rate the client relationship
The Underwriter III will be either proficient or show the ability to be proficient in using Chase's internal reporting and data entry systems
BA/ BS with a concentration in accounting or finance and completion of a major corporate bank credit training program (or the equivalent corporate banking / corporate finance experience) and typically a minimum of 8 years in banking / lending experience which should include credit, structuring and marketing

The Woodlands Commercial Underwriter Resume Examples & Samples

Compiles and reviews information regarding guarantors and the borrowing company’s financial history and current condition
Prepares underwriting packages; communicates results and recommendations in a written narrative
Maintains physical and electronic credit files; prepares and retrieves documentation for audits, exams and reviews
Working knowledge of lending and credit risk management concepts, practices and procedures
Solid technology and internet skills, including intermediate proficiency in Microsoft Office (Word, Outlook, SharePoint and Excel) and ability to navigate financial software applications
Excellent critical thinking and decision making skills; demonstrated ability to make sound business judgments

Commercial Underwriter, Hales Corners Resume Examples & Samples

Act as the designate, when appointed, for the Underwriting Manager as needed
Typical credit authority will be up to and including ,000,000 with aggregate credit exposure up to ,500,000
Cross train multiple business lines, including but not limited to retail and correspondent. Support additional business lines as needed

Commercial Underwriter Resume Examples & Samples

Review credit applications on various types of loans; analyze applicant’s financial status, credit and property evaluation, corporate tax returns, personal tax returns, personal financial statements, credit reports, business reports and legal documents. Approve or deny credit applications per authorized lending limits. Recommend credit decisions to management on requests exceeding assigned lending authority
Decision or recommend commercial loan transactions with aggregate credit exposures up to $1,000,000. Be able to obtain, maintain, and prudently exercise individual credit authority, which may range up to $1,000,000, depending on experience
Communicate financial analysis of the company to others in simple terms, 3.Preparing credit presentations/memos for loan request analysis and approval

Commercial Underwriter Resume Examples & Samples

Prepare comprehensive written loan presentation/approval documents and annual reviews ensuring conformity with TCF policies and procedures
Produce independent, supported financial analysis and projections of customer performance through financial statement, tax returns or property operating statements
Review of due diligence such as accounts receivable aging inventory and equipment lists, backlog reports, borrowing base and compliance certificates, property leases, environmental reports and appraisals
Stay abreast of industry trends related to select market segments served
Enhance and extend marketing knowledge of appraisal theory and approaches to value and environmental standards
Keep loan system and data base information current on a monthly basis
Provide credit references for commercial customers
Form relationships across various departments while maintaining independence as a credit professional
Accountable for weekly, monthly or quarterly departmental reports, as necessary
Mentor and actively participate in training and development of junior underwriters
Act as Secretary of the Corporation’s Credit Committees, upon request
College degree or equivalent with course work in finance related fields
5 or more years’ experience in commercial underwriting, field examiner, audit or equivalent field
Seasoned knowledge of spreading financial statements and tax returns, cash flow and ratio analysis, projections, accounts receivable aging, inventory and equipment review, property operating statements, independent market research, field audit examinations, commercial construction budgets, appraisal valuation and environmental reports
Commercial loan structuring and documentation
Experienced with spreading software, Word, Excel
Banking regulations governing commercial banking
College degree in accounting or finance
7-10 years’ experience in a commercial credit analysis role
Existing knowledge of assigned marketplace

Commercial Underwriter Iii Resume Examples & Samples

College degree and 3 years commercial real estate credit/lending experience required
Accounting/finance and commercial real estate credit analysis background strongly preferred
An understanding of business and personal financial statements, ability to perform income producing property analytics, good phone and communication skills required
Bachelor’s degree in business related field business with emphasis in management, accounting, finance, real estate or a related field

Experienced Underwriter Commercial & Construction Underwriting Resume Examples & Samples

Analyze financial statements of borrowers and income-producing properties. Communicate with customers, providing excellent customer service and ensuring the customer relationship is maintained and the highest possible level
Review/set-up loan files for completeness and identify any missing documentation or potential problems
Analyze each loan file
Prepare loan files for funding by reviewing the analysis for accuracy to ensure all regulatory information and loan terms are accurately input into the computer system to meet compliance requirements
Computer/Software Efficiency: Be proficient in financial analysis software, Microsoft Excel, Microsoft Office and other software programs as needed

Commercial Underwriter, Small Business Resume Examples & Samples

2-5 Years Previous Small Business Credit Scoring and underwriting experience required
Working knowledge of Commercial/Private Banking loan products
Working knowledge of credit policies and procedures
Working knowledge of credit scoring, portfolio management and risk management concepts
Working knowledge of cash flow, credit and evaluating collateral
Working knowledge of financial statements analysis and review of tax returns
Ability to communicate effectively with Small Business Banking Officers
Ability, at a working level, to make sound transactional decisions in accordance with policies and procedures

Commercial Underwriter Ii Resume Examples & Samples

Candidates must have 3 plus years of previous underwriting or credit analysis experience. The level of the position will be determined by overall related experience
Formal credit or commercial loan training and some SBA credit knowledge preferred
All candidates must have superior verbal, written, and organizational skills
Must be able to prioritize tasks demonstrating both management skills and ability to achieve communicated deadlines
Excellent computer skills in Windows, understanding of business and personal financial statements, good phone and communication skills required
Team player with customer service focus

Commercial Underwriter Resume Examples & Samples

Commercial Underwriting across Property and Liability within current underwriting guidelines and authority limits
CIP Qualified
Underwriting policies across Personal and Commercial Lines
Commercial Lines experience essential
Sound communication skills; both verbal and written
Full CIP or grandfathered across Personal and Commercial Lines

Commercial Underwriter the Woodlands Sterling Ridge Resume Examples & Samples

Spreads financial statements and tax returns; conducts comprehensive analyses to determine the degree of risk involved and profitability of extending credit or lending money, such as cash flow, trend and industry analysis
Monitors and updates pipeline and other department reports; communicates with lenders on status of pending requests
Reviews underwriting loan packages completed by credit analyst staff for accuracy and completeness. This includes reviewing the spreads, narrative, cash flow, grade sheet, loan memo and other worksheets necessary to complete the loan package
Ability to manage multiple responsibilities and projects in a fast paced environment with competing priorities and deadlines
Good attention to detail and concern for data accuracy
3-5 years credit or lending experience in the banking or financial services industry
None

Commercial Underwriter Ii Resume Examples & Samples

Assists and counsels originators in qualifying loans, determining borrower's needs, determining appropriate commercial loan product in light of needs, and obtaining requisite financial data. Reviews credit requests, business credit scores, business reports and consumer bureaus
Evaluates collateral adequacy, industry risk, purpose and viability of business. Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan
Determines appropriate structure and pricing in light of borrower type, industry, collateral, and risk and documenting any deviations from the prescribed structure. Assesses strengths and weaknesses of loan requests
Completes financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis. Thoroughly documents the credit request in the appropriate format. Verifies underwriting conditions and additional approval requirements are satisfied
Ensures effective communication between Relationship Managers, Loan Administration, Loan Documentation & Funding Control and other departments involved in the loan process. Strives to minimize turnaround-time while thorough documenting credit requests

Commercial Underwriter Resume Examples & Samples

Understands credit scoring and may work with abbreviated loan review matrix tools to aid in decisioning credit requests. Exhibits the ability to decision applications in a “grey/review area of scoring” and apply subjective criteria to render a decision within their authority level
Seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated
Responsible for making accurate decisions in granting loan requests within specified limits, using understanding of credit scoring and risk management concepts
Prior Relationship Management experience is a plus
Working knowledge of cash flow, credit and collateral evaluation
Working knowledge of financial statement analysis and review of tax returns
Knowledge of Word, Excel and Financial Statement Spreading Tools
Ability to communicate effectively with Relationship Managers

Commercial Underwriter Resume Examples & Samples

With guidance from Manager or Sr. Commercial Underwriter, prepare written summary of commercial loan terms and conditions and a written narrative explaining business background, outlining risk factors and justifying assigned risk rating, ensuring conformity with bank credit policy and procedures and with applicable banking regulations
Provide written and oral credit references for commercial customers in accord with TCF guidelines and industry practices
2 years related work experience at a financial institution
Excellent analytical, conceptual, writing, and communication skills

BB Senior Commercial Underwriter Resume Examples & Samples

Evaluate commercial loan applications received from Branch and Business
Present loan requests to senior credit officers or management for
Bachelors degree or in lieu of a degree, 4 years work experience
Ability to analyze and understand financial statements, business and
Self-motivated, well organized
Ability to work under tight time constraints, in a high volume
5 years of commercial or business lending experience

TI Commercial Underwriter Resume Examples & Samples

Prepare authorization to exceed forms on binders that exceed liability limitations
Recognize title defects and seek advice from commercial underwriter II and agency counsel as to insurability, when necessary
Maintain licensing and/or certificates according to state requirements
Apply underwriting ability to perform limited liability evaluations and approve or disapprove technical title risks within delegated authority
Bachelor's degree or equivalent education and related training
Three or more years of underwriting experience
Time management techniques
Communicate effectively (written and verbal)
Excellent spelling and language comprehension
Organize and prioritize work tasks
Initiate work/self learning/development
Work well with others

Commercial & Liability Underwriter Resume Examples & Samples

CIP Qualified or grandfathered to write commercial lines
Underwriting policies across Commercial Lines including property and Employers and Public Liability
Process cover notes, endorsements, cancellations and renewals
Liaising with intermediaries
1-2 years underwriting experience

Commercial Underwriter Resume Examples & Samples

2 years commercial real estate credit/lending experience required. Four (4) or more years required for a II. Six(6) or more years required for III
Must have superior verbal, written, and organizational skills
Excellent computer skills in Windows, Moody’s Risk Analyst, AFS Level III
Argus DCF experience is a plus
An understanding of business and personal financial statements
Ability to perform income producing property analytics,
Good phone and communication skills

Commercial Underwriter Resume Examples & Samples

Bachelor's degree in business related field business with emphasis in management, accounting, finance, or a related field
Candidates must have 5 plus years of previous underwriting or credit analysis experience
Formal credit or commercial loan training and some previous credit decisioning preferred
Exposure to a wide variety of commercial credits and the professional/executive market segment is preferred

Commercial Underwriter, Small Business Resume Examples & Samples

Understands credit scoring and may work with abbreviated loan review matrix tools to aid in decisioning credit requests.Exhibits the ability to decision applications in a “grey/review area of scoring” and apply subjective criteria to render a decision within their authority level
Responsible for making accurate decisions in granting loan requests within specified limits,using understanding of credit scoring and risk management concepts
Bachelor’s degree.Preferably in a business related field
Working knowledge of credit scoring,portfolio management and risk management concepts
Working knowledge of cash flow,credit and evaluating collateral
Knowledge of Word,Excel and Financial Statement Spreading Tools
Ability,at a working level,to make sound transactional decisions in accordance with policies and procedures

Commercial Underwriter Resume Examples & Samples

Review commercial loan applications and analyze credit information to make a general assessment of applicant’s creditworthiness. Determine whether or not the proposed loan will conform to the bank’s lending policy
Prepare written summary of loan terms and conditions and a written narrative explaining business background, outlining risk factors and justifying assigned risk rating, ensuring conformity with bank credit policy and procedures and with applicable banking regulations
For C&I loans, conduct in-depth review of balance sheets, income statements, cash flow statements, tax returns, business plans and projections presented by applicants to assess their ability to generate income sufficient to repay existing and proposed debt
Review construction contracts, leases, appraisals, environmental assessment reports, UCC searches, flood determinations, insurance policies and other information to assess risks associated with the bank’s collateral position. Continue to develop knowledge of appraisal theory and approaches to values
Interact with account officers to negotiate loan terms and follow up on information required to decision the application. May contact loan applicants (customers) and their representatives (CPA’s, CFO’s) to obtain clarification about information received from them. Respond to credit applications within the timeframe established by the department

Title Insurance Commercial Underwriter Resume Examples & Samples

Prepare commercial title binders, policies and any related endorsements and correspondence
Interpret completed attorney applications necessary to produce commercial binders, policies and endorsements
Review and interpret surveys
Determine requirements and exceptions that are necessary to complete binders and policies in accordance with company underwriting procedures
Prepare bills for premium and title examination fees or other related expenses
Recognize title defects and seek advice from agency counsel as to insurability, when necessary
Correspond with clients to obtain missing documentation and/or clarify information
Accompany sales directors, agency counsel or manager on calls to existing or prospective sources of business within the framework of a commercial business development call program
Participate in business development/referral programs which contribute to the overall profitability of the company
Participate in annual performance evaluations of commercial underwriting staff
Title Insurance License
Five or more years of underwriting experience
Communicates effectively (written and verbal)
Organizes and prioritizes work tasks
Initiates work/self learning/development
Ability to work under deadlines
Works well with others
Operation of office computer and equipment

Commercial Underwriter Resume Examples & Samples

Produce independent, supported financial analysis of the corporate companies and individuals through financial statements, projections and tax returns
Review of due diligence such as accounts receivable aging's, inventory lists, borrowing bases, compliance certificates, appraisals, and field exams
Enhance and extend marketing knowledge of field exam reports

Commercial Underwriter Resume Examples & Samples

Identify the borrower’s needs and opportunities on submitted applications and promote additional products and services for cross-sale opportunities
Must have completed accounting and credit training courses
Begin to gain an experience analyzing and monitoring, Income Property, Non-Profit, Monitored Lines of Credit, complex credits or other specialty lending types

Commercial Underwriter Resume Examples & Samples

Bachelor’s degree in business related field business with emphasis in management, accounting, finance, or a related field
Must have 3 plus years of previous underwriting or credit analysis experience
Excellent computer skills in Windows
Must understand business and personal financial statements
Good phone and communication skills required

Senior Specialist, Commercial Underwriter Resume Examples & Samples

Personally work the queues and delegate amongst peers to ensure the entire business unit is meeting business objectives regarding deal cycle time
Maintain all compliance CTQs and ensure dashboard accuracy
Respond quickly and drive full resolution of all customer and field issues
Maintain productivity and accuracy of records
Drive process and productivity improvements
Ensure all Risk & Underwriting Policies are followed
Answer incoming phone volume from stores, customers and client teams and receive satisfactory QCAL scores
Communicate and engage effectively across business and functions
Ability to write complex customer evaluations and review evaluations with Senior Mgmt
Provide signature for Commercial and Consumer deals utilizing Policy
0 lending authority as needed
12+ months of commercial lending experience at a bank or financial institution
12+ months of Call Center experience in a complex analytical/decision making role
Working knowledge of Windows based PC applications
Working knowledge of financial statements spreading tools
Ability to work a flexible schedule within the department hours of operations, rotational weekends (Saturday) and holidays as require by the business
College degree in Business including Accounting classes
Ability to work, interact and accept direct requests from all levels of management across all Synchrony Financial
Strong Financial Analysis Skills and Write up and Loan Committee (BAW or CRP for GE employees) Presentation Skills
Able to successfully complete in depth BAW and CRP Reviews while sitting in Call Center environment

Senior Commercial Underwriter Resume Examples & Samples

Conduct in-depth review, analysis, and research of balance sheets, income statements, cash flows, tax returns, and projections
Interpret and analyze financial information from multiple sources, including reporting services, credit bureaus, credit reports, and other industry data to inform underwriting decisions
Assess the borrower’s ability to generate income sufficient to repay existing and proposed debt
Review appraisal, environmental, and other reports to identify risk areas and recommend mitigating solutions and next steps
Prepare narrative analysis of the financial review, demonstrating a thorough understanding of financial condition
Recommend various loan structures (and pricing structures) that balance risks and rewards
Underwriting and decisioning should be based on sound credit with particular emphasis on adherence to credit policy and requirements, bank’s risk culture, financial analysis/modeling, risk evaluation and mitigation and proper loan structuring
Position is responsible for underwriting and decisioning within delegated lending authority, within SLAs and meeting production requirements
Participates in post-closing inspection as part of a continuous monitoring credit risk management framework as well as improve efficiency, and reduce costs
Mentors or reviews analysis of less experienced underwriters
Recommends process improvements with Loan Origination System and assist with the implementation and adherence to underwriting guidelines and policies and procedures
Must be able to work effectively in a fast-paced environment
Strong written and verbal communications skills
Strong analytical and intuitive investigative skills
Ability manage multiple tasks and prioritize workflows
Strong independent decision making capabilities
Must have strong skills in Word, Excel and Outlook
5+ years’ experience in one or a combination of the following: underwriting, financial analysis or deal structuring in financial services, private banking, corporate/investment banking or capital markets
Formal credit or commercial loan training and some previous credit decisioning preferred. Exposure to a wide variety of commercial credits and the professional/executive market segment is preferred
Knowledge of financial accounting theory and logic, loan structuring, commercial products and services
Solid credit fundamentals in a commercial environment

Senior Commercial Underwriter Resume Examples & Samples

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."
Assists Commercial Relationship Managers (CRMs) in managing day-to-day details for larger relationships, maintaining contact with clients and resolving issues
Provides advanced analysis and support to the CRM
Bachelor's Degree in Business, Finance, Accounting, or other related field or the equivalent in education in experience

Commercial Underwriter Resume Examples & Samples

Excellent computer skills in Windows,
Understanding of business and
Knowledge of personal financial statements
Formal credit or commercial loan training preferred
Previous credit decisioning preferred

Commercial Underwriter Resume Examples & Samples

Runs projections and performs standard commercial real estate property analysis
Bachelors degree in business related field business with emphasis in management, accounting, finance, or a related field
Candidates must have 18 to 36 months of previous underwriting or credit analysis experience
Minimum 2 year commercial real estate credit/lending experience a plus

Ccar Data & Commercial Underwriter Resume Examples & Samples

1)Loan Underwriting of Asset Classes including CRE, C&I, ADC, Specialty Investments, and REO
2)Credit File Review of Third Party Reports including Appraisals, Engineering and Property Condition Reports
3)Cash Flow modeling of all asset classes including review of historical & current financial statements
4)Data entry of loan information including property and/or asset, borrower/sponsor, financial, market, industry, and loan level information
5)Preparation of Asset Summary reports and/or final deliverable materials for review
1)Associate, Bachelor’s Degree or Professional Designation in Business, Finance, Accounting or Real Estate
2)5+ years underwriting and/or credit experience for a bank, private equity or advisory company
3)Strong written and verbal communication skills
4)Experience working remotely and on time of the essence assignments
5)Ability to travel on assignments and work in a team environment

Commercial Underwriter Ii Senior Resume Examples & Samples

Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan
Responsible for Credit File maintenance
Excellent computer skills with proficiency in Microsoft Office applications
Professional phone and communication skills are required

Commercial Underwriter Resume Examples & Samples

Underwriting property, liability, motor insrance for portfolio of clients
Managing renewal of commercial insurance products, working closely with the clients and business development executives were required
Developing a detailed indept knowledge of the commercial products within the business portfolio
Building and maintaing important relationships with Brokers and Clients via written correspondance, phone and attending Broker and Client meetings when appropiate
Continually improving quality and efficiency achieving personnal and team objectives
Constantly maintaining company standards and customer focus
Minimum of 2 years working as a commercial underwriter preferably in property/liability underwriting
CIP qualification
Commitment to continous improvement of quality and efficiency
Excellent time management and organisational skills
Constantly building strong relationships
Ability to work under pressure and own initative

Commercial Lines Underwriter Resume Examples & Samples

Serves as interface between carrier and agent
Handles account problems with the agent, company and marketing staff
Excellent telephone and written skills
Ability to work in a fast paced environment with seasonal volume

Commercial Underwriter Resume Examples & Samples

Presents facts to CRMs concerning applicant’s credit worthiness
Drafts loan agreements in collaboration with the CRM
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. 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."
Bachelor's degree in Business, Finance, Accounting, or other related field or the equivalent in experience required
Proficiency with personal computers and related software packages such as Word and Excel

Commercial Underwriter, Small Business Resume Examples & Samples

In-depth knowledge of cash flow, credit and evaluating collateral
In-depth knowledge and ability to successfully structure complex credit requests that minimize risk while providing customer business value
Working knowledge of credit policies, procedures, principles and philosophy
Thorough knowledge of software being utilized to capture credit applications, Word and Excel
Ability, at in In-depth level, to make sound transactional decisions
Ability, at a working level, to ensure policies and procedures are met
Ability to communicate effectively by adding value to Small Business Banking Officers and Customers

Commercial Underwriter Resume Examples & Samples

Interpret and analyze complex loan proposals to support the commercial underwriting process, loan decisions and provide requested internal consulting
Research and utilize data from specific companies to support UMB direction relative to loan decisions, including borrower/guarantor repayment capacity, appropriate loan structuring recommendations, collateral analysis, covenant structuring and compliance, and pricing and risk rating rationale
Work extensively with loan officers and managers across the UMB footprint in reviewing loan submissions to ensure completeness of all information required for loan decisions, both locally or at the UMB senior loan committee level
Present loan submissions to the UMB senior loan committee and answer questions relative to the review and approval of the loan
Analyze underwriting and loan decisions completed at the local level and report to senior management
Work with team members in loan operations, credit analysis, regional commercial banking, loan review, public finance, capital markets and international banking to coordinate commercial loan decisions and ongoing commercial loan administration
Lead/participate in Commercial Credit Underwriting projects, as available
Demonstrates basic level of accounting knowledge
Demonstrates intermediate level of credit underwriting knowledge
Demonstrates knowledge of loan and credit policies, operations and processes/procedures
Demonstrates analytical aptitude with strong problem-solving skills and ability to make quick decisions
Demonstrates ability to work under pressure given large workload and frequent deliverables
Demonstrates organizational and multi-tasking skills
Demonstrates ability to work independently
Demonstrates strong interpersonal skills to include effective verbal and written communication with key leaders and other departments
Demonstrates ability to influence based on factual support, including but not limited to common scientific & technical journals, financial reports, and legal documents
Demonstrates strong proficiency in Microsoft Office (Excel, Word)
Capital Stream Knowledge
IBS Loan Insight Knowledge

Commercial Underwriter, Lead Resume Examples & Samples

Assists and counsels originators in qualifying loans, determining borrower’s needs, determining appropriate commercial loan product in light of needs, and obtaining requisite financial data
Reviews credit requests, business credit scores, business reports and consumer bureaus
Determines appropriate structure and pricing in light of borrower type, industry, collateral, and risk and documenting any deviations from the prescribed structure
Strives to minimize turnaround-time while thorough documenting credit requests

Title Insurance Commercial Underwriter Resume Examples & Samples

Ability to communicate effectively (written and verbal)
Ability to organize and prioritize work tasks
Initiate work/self -learning/development

Commercial Portfolio Manager / Underwriter Resume Examples & Samples

Leverages Moody’s Risk Analyst to generate credit grades within policy guidelines
Underwrites renewal credit applications presented through both the (1) Emerging Markets Commercial process (Commercial and Wealth Management Business Lines) and (2) Retail Small Business Maturing loan program
Initiates the renewal process for the Retail Line of Business by means of branch and/or customer contact, determines the appropriate loan product and renewal structure based upon customer needs and credit worthiness, and obtains requisite financial data
Obtains and analyzes pertinent financial and credit data to assist in determining the risk of assigned credits
Evaluates collateral adequacy, industry risk, strengths/weaknesses, borrowing purpose, and viability of the business
Reviews credit applications, business credit scores, business reports and consumer bureaus
Recommends and manages the transfer of impaired loans to the bank’s special assets division (ARMS). Collaboration with Retail Collections and Special Asset Group required during the loan transfer process
Other duties and special assignments assigned by Director of Portfolio Risk and Underwriting Center Manager

Commercial Credit Analyst / Underwriter Resume Examples & Samples

Five to seven years of experience in commercial credit or financial analysis, accounting and/or lending activities
Finance/Accounting degree
Excellent credit analysis and analytical skills
In-depth knowledge of risk analysis

Commercial Underwriter Resume Examples & Samples

Advanced knowledge of
Physical, financial, and motor vehicle records reports
All rating plans
Resolve conflicts and solve problems

Senior Commercial Underwriter Resume Examples & Samples

Presents facts and offers opinions/recommendations to CRMs concerning applicant’s credit worthiness
Prepares summary and/or credit approval report documenting credit analysis and supporting information for credit decision recommendations
Participates in customer and prospect calls with the CRM, outside calling and other marketing efforts
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
Bachelor's degree in Business, Finance, Accounting, or other related field or the equivalent in education in experience
Advanced sales skills including business development

Commercial Lending Underwriter Resume Examples & Samples

Process all New Applications and existing NextGear Capital floor plan account reviews up to $250,000
Process Contract Modifications Review request of existing NextGear Capital accounts up to $250,000. Including but not limited to Line of Credit Increases, Term Changes, Signer Changes, and Entity Changes
Pull, review, and interpret a credit report on both the business and the individual applicants. Examine length of credit history, nature of accounts, payment history, size of trade lines, credit utilization, in determining credit worthiness of applicant and business
Research any relevant bankruptcy records, tax liens, and / or judgments in weighing applicants’ business or personal ability and willingness to repay NGC obligations
Research through websites the UCC (Uniform Commercial Code) file position found under the business applicant legal name
Validation of the business applying and who the accurate “legal” owners are through documentation provided and/or public record search
Review field summary comments provided with business background and sales volume status
Review NGC system for existing account performance overall in relation to account modification reviews
Approval authority up to $250,000 with within scorecard completed. Underwriter has Decline authority
Verify all NextGear Capital required contract supporting documentation per account to secure NextGear Capital interest
Process all decisions and documents by completing a Lending Summary document
Phone/Email contact to NextGear Capital Account/Sales Executive for information/documentation required to decision a request
Draft Full Legal Contract or Contract Amendments for customer and submit to NextGear Capital Account/Sales Executive for signing
Update company system/tracking on the status of all duties listed above

Commercial Underwriter Resume Examples & Samples

Candidates must have 1 plus years of previous underwriting, credit analysis, compliance, or related banking/financial experience
Exposure to a wide variety of commercial credits and the professional/executive market segment is preferred as well as understanding of business and personal financial statements
All candidates must have superior verbal, written, and organizational skills and excellent computer competency

Senior Commercial Underwriter Resume Examples & Samples

Identify risks and assist in structuring the loan to mitigate risks. Assign risk ratings
Regularly accompany Corporate Banker on customer calls. Actively participate with lending officers in the preparation of loan proposals for committee presentation, including review of financial statements, projections and site visits
Comply with all bank policies, procedures, state and federal banking laws and regulations including Bank Secrecy Act, Anti-Money Laundering, Office of the Comptroller of the Currency Control (OCC) and USA Patriot Act
Minimum 5 years’ experience in a credit analysis role relative to C&I lending required; 7 plus years’ experience preferred
Must have experience with cash flow analysis, ratio analysis and projections as well as commercial loan structuring and documentation
Knowledge of real estate appraisal techniques, field audit examination techniques and commercial banking regulations required
Existing knowledge of assigned marketplace preferred

Commercial Underwriter Resume Examples & Samples

Minimum 3 years’ experience in a credit analysis role relative to C&I lending required
Must have experience with cash flow analysis, ratio analysis and projections
Solid qualitative and quantities analytical skills required
Ability to work with limited supervision

Commercial Underwriter Resume Examples & Samples

Exceptional analytical and financial analysis skills and the capacity to quickly learn and apply credit assessment policies and procedures are essential
Prior individual credit authority within the mid-market transaction dollar range
The ability to make effective, timely and sound recommendations and decisions on credit requests
Excellent verbal and written communication skills are a must
The ability to develop good working relationships with sales/marketing personnel and clients
Applying excellent client service and interaction is also required

Cred Senior Commercial Underwriter Resume Examples & Samples

Presents facts to Commercial Relationship Managers (CRM) concerning applicant’s credit worthiness
Reviews and monitors commercial and/or real estate loan documents for accuracy, completeness and adherence to approval conditions
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
Provides leadership for other Underwriters within the unit and may manage/supervise associates by assigning work and resolving problems
Performs as the primary contact with existing/established relationships
May directly manage a portfolio of smaller credits
Previous business or banking experience
Ability to analyze financial conditions, financial statements, and tax returns
Proficiency with personal computers and related software packages such as Word and Excel, and other business machines
5+ years of relevant credit analysis or commercial underwriting experience

Commercial Agency Underwriter Resume Examples & Samples

12-15 years title underwriting experience, with focus on complex commercial transactions
Ability to work independently and operate with substantial latitude for un-reviewed action or decisions
Able to set own short term priorities and objectives, with senior management consultation relative to the identification of target agent customers
Evaluates matters and acts in advisory capacity, making recommendations which may result in failure to achieve goals critical to the intermediate to long term objectives of organization’s business
Outstanding written and verbal communication skills as most interaction is at the senior manager level with some interaction at the executive management level
Has significant specialized expertise for making recommendations to and in collaboration with senior management and/or legal
Demonstrated practical experience with concepts, practices and procedures of real estate title and settlement process
Business acumen, strategic ability and an understanding of market and competition to identify threats and opportunities
Ability to diagnose and analyze issues, identify and drive creative and sound solutions, and achieve desired results
Strong organizational skills with the ability to multi-task, prioritize and work under pressure
Ability to build relationships and create rapport, using diplomacy and tact
Demonstrates persistence, tenacity and consistency in pursuing revenue opportunity

Commercial Lending Underwriter Resume Examples & Samples

Procedure’s related to processing applications and/or modifications request to existing accounts
Takes actions necessary to collect or verify information required to process secure credit decisions and processing of contracts
Individual expected to possess a combination of skills that relate to the analytical nature of assessing lending requests and provide quality analytical summary on accounts identifying material risks through analysis of credit reports, legal reports, UCC analysis, and external web sites
Combines NextGear Capital credit guidelines with professional judgment to recommend the level of credit to be extended to each dealer
Attention to detail helps in ensuring accuracy in the process of assessing all critical facets of an accounts application. In particular, the individual should have finance, analytical, problem solving and decision-making skills to weigh the risks and costs of providing credit in a high volume environment
Provides prompt, accurate and courteous service to both internal and external customers
Understanding of how to interpret personal Credit Bureau reports, including but not limited to Bankruptcy, Tax Liens, and Judgments or any other public record
Have the ability to interact professionally with internal and external customers
Possess the ability to manage multiple priorities and meet deadlines in a fast paced, high volume work environment
Familiarity with business documentation including but not limited to sole proprietorships, S-corps, C-corps, partnerships and limited liability corporations is preferred
Familiarity with Dealership licensing requirements throughout the United States and Canada
Ability to research and analyze UCC filings in the U.S. and Hypothec filings in Canada to determine collateral positioning of all filers and its effect on account risk
Have working knowledge of Microsoft Office software and Internet
Telephone, keyboard, standard office equipment, windows-based computer system
Knowledge of reading/speaking Spanish or French is preferred, but not required

Commercial Lending Underwriter Resume Examples & Samples

Conduct financial and performance trend analysis on new and existing accounts. Provide supported recommendations to the appropriate authority level based on NGC lending guidelines and requirements
Manage multiple priorities in a fast paced high volume environment within department timeframes while maintaining ongoing attention to detail
Aggregate large amounts of data from multiple sources while maintaining high level of accuracy
Partner with field sales organization, senior leadership and across functions to resolve credit and operational related issues, questions or concerns
Interface with the appropriate customer representatives to resolve credit related issues, questions or concerns
Assess and determine collateral requirements, negotiate requested terms to acceptable NGC levels and coordinate with other internal departments
Review legal documentation to ensure transactions are properly secured and are in compliance with all NGC requirements for US and Canada accounts
Drive improvements in financial modeling to enhance process efficiency, support new initiatives and to accurately capture the changing economics or structure of the business
Solid ability to analyze Tax Returns, CPA Audited, Reviewed and Dealer Prepared business financial statements to determine account’s liquidity, profitability, and financial ratios while comparing to geographical, industry and market benchmarks
Working knowledge of financial concepts, procedures and processes utilized in the automotive financial services industry
Strong ability to provide analytical insight on account’s credit worthiness, liquidity, profitability, financial and operational performance metrics
Knowledge of business documentation including but not limited to sole proprietorships, S-corps, C-corps, partnerships and limited liability corporations
Strong knowledge of contract preparation, including lease and loan documentation, security perfection, researching and documenting corporate information and statutes, corporate by-laws, signature authority protocol, etc
Bachelors Degree required
Minimum 5 years business experience preferably in the Auto or Financial services industries
Working Knowledge of Auto 13 month statements
Working knowledge in various inventory finance software programs
Ability to analyze 10-K and 10-Q statements from

Credit Associate / Commercial Underwriter Resume Examples & Samples

Accountable for creating credit write-up to determine loan structuring opportunities to present to Credit Officers
Commitment to core values; Teamwork, Respect, Accountability, Integrity, Leadership
Ability to work well individually as well as part of a team
Satisfactory knowledge and proficiency in working with personal computers and business software (e.g. Microsoft Office - Word, Excel, Access and PowerPoint)
Willingness to consider relocation across Key's footprint

Underwriter, Commercial Lines Resume Examples & Samples

Company organization, structure, operations, objectives, and performance
Multi-line products
Advanced Working Skill/Ability
Strong written and oral communication, including presentations
Use of tact/empathy/influence in dealing with agents, co-workers, etc

Commercial Lending Underwriter Resume Examples & Samples

Utilize working knowledge of Business Accounting/Financial Statement concepts, procedures and processes typically used in automotive and financial services industries
Ability to analyze Tax Returns, CPA Audited, Reviewed and Dealer Prepared business financial statements for accounts that require a credit facility in excess of $500,000.00 up to $100,000,000.00
Ability to perform Cash flow analysis
Ability of self-reliance and prioritize work flow in heavy volume environment
Ability to determine accounts liquidity, profitability, and financial ratios and compare to geographical, industry and markets benchmarks
Skill to review customer bank statements and identify credit related issues
Ability to assess and analyze personal financial statements
Analyze Credit worthiness of principals including asset search examination
Strong knowledge of legal document preparation, including lease and loan documentation, security perfection, researching and documenting corporate information and statutes, corporate by-laws, signature authority protocol, etc
Developing and promoting programs and practices to support internal efficiency
Ability to analyze variances and trends to determine changes in key business metrics vs. expectations and review with leadership team
Proficiency with Microsoft Office Suite including: Word, Excel, PowerPoint and Outlook or comparable software application
Skills that can communicate both oral and written across multi-functional groups to ensure results
Undergraduate degree in Commerce, Business, Accounting, Finance
Prior work experience in Auto or Financial service industry is required
Ability to analyze 10-K and 10-Q statements from SEC.gov

Commercial Surety Underwriter, Atlanta Resume Examples & Samples

4+ years of experience with Commercial or Contract Surety, Financial Analysis, Credit or Risk Analysis
Ability to travel throughout the South territory
Advanced knowledge and practice of Commercial or Contract Surety lines of business

Commercial Underwriter Resume Examples & Samples

The commercial underwriter will be responsible for the underwriting account management of Agri business through broker business partners and the direct channel, along with and the provision of technical underwriting guidance and referrals management for the underwriting team
The Commercial Underwriter will be working closely with Broker partners, customers and other internal teams to ensure all areas of the Agri business are managed according to the Zurich Way of Underwriting and within delegated authority levels
Your role will be to
CIP qualification or equivalent
Solid understanding of Commercial Underwriting practices, rules and performance metrics with a minimum of ten years’ experience working in the Insurance sector, ideally in a technical underwriting capacity
Experience in mentoring and developing other team members

Commercial Surety Underwriter Resume Examples & Samples

Meets with agents and brokers from assigned customer base/territory to solicit business/submissions via marketing efforts and educate agency representative(s) on Liberty Mutual Surety policies, procedures, appetite, and requirements. Act in a consultative capacity and discuss/review agency accounts and performance
Underwrites new and existing commercial account submissions utilizing underwriting authority granted by Chief Underwriting Officer. Makes thorough evaluations and assessments of the financial, technical, organizational, and management capacities, past experience, desired work objectives as well as a subjective judgment of character, normally based upon data/insights. In many cases, will meet with client to facilitate above assessments
Develop/maintain strong relationships with agents/brokers and oversee a book of commercial Surety business within defined territory. Meets production, marketing, and profitability goals as set by manager and assist in developing marketing plan
Stay abreast of Liberty Mutual Surety product lines and identify cross-selling opportunities with agent, engaging/referring appropriate parties as necessary
Responsible for investigation, analyzing, and managing all necessary underwriting/accounting/work flow issues, within framework of Surety policies and procedures
May assess and identify changes in all aspects of the business including, but not limited to, financial strength criteria, nature of work performed (inherent risk), accuracy and timeliness of data flow, and exposure analyses. Coordinate and surface issues to more Home Office staff and Bond Managers
Assists in the evaluation of business continuity arrangements and funding mechanisms (such as adequacy of life insurance) to preclude financial drain of customer in the event of the demise of (an) owner or other insurable loss
In connection with credit recommendations which tend to fall outside of normal underwriting standards, applies sound reason and business logic to reach decision as authorized. Effectively documents such logic in file and communicates to more senior Home Office and Field underwriting staff, as necessary
Performs special projects and other duties as assigned
Bachelor's degree in Finance, Accounting or equivalent and a minimum of 3 years, and a strong preference of 7+ years surety underwriting experience and/or equivalent surety related business experience expected. Prior experience handling large commercial surety accounts
Solid understanding of financial and accounting principles and the ability to demonstrate sound business judgment in the evaluation of the financial condition, credit history, experience and character of commercial surety accounts
Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility
Demonstrates strong ability to communicate complex analyses and information in understandable written and/or oral directives for underwriting or training purposes
Overnight travel may be required and the ability to attend occasional agent meetings and social or industry events

Small Commercial Underwriter Trainee Resume Examples & Samples

Strong sales and business acumen
High energy self starter, good decision maker with an entrepreneurial spirit
Competitive nature and strong desire to win

Small Commercial Underwriter Trainee Resume Examples & Samples

World's Most Ethical Companies, Ethisphere Institute (2008-2012, 2014-2016)
Climate Leadership Award, U.S. EPA, (2014-2015)
Fortune 500: No. 160, Fortune (2015)
Barron’s 500: No. 356, Barron’s (2015)
Human Rights Campaign as a 2016 Best Place to work for LGBT Equality
Carbon Performance Leadership Index, Carbon Disclosure Project (2008-2015)
Member Dow Jones Sustainability Indices as a leader in corporate sustainability
Military Friendly Employer (2010-2015)
Military Times Edge as a “Best for Vets” Employer (2010-2015)

Commercial Flood Underwriter Resume Examples & Samples

Review new business submission, rate commercial policies, review policies for coverage limits, deductibles, and endorsements
Ensure policy issuance is in compliance with applicable State laws
Assist in prospecting new business by developing relationship with sales team and retail agencies
Communicate with retail agents/brokers to obtain documentation for underwriting and pricing commercial flood risk
Develop custom solutions that cater to customer needs and the external market environment while maintaining underwriting integrity
Support profitable growth strategy by tracking key metrics and external market landscape
Drive underwriting and pricing insights for future development of products
Collaborate with sales team, underwriting team, operations team to ensure client service objectives are met
Serve as liaison with exposure modeling, actuarial, data analytics, predictive modeling teams to continuously refine risk selection and pricing
Provide technical expertise where needed to business units in interpretation of coverage language, underwriting criteria and pricing
Provide status reports on underwriting performance
Contribute to evaluation of internal and external datasets for risk selection
At least two years of experience as commercial underwriter for carrier or MGA/MGU or experience with catastrophe modeling or agency/sales required
Proficiency in Microsoft Office products
Working knowledge of Surplus Lines Statues
Track record of building relationship with retail agencies
Multi-Family Housing and/or Condominium Association underwriting experience a plus
Flood underwriting experience a plus
ArcGIS or Catastrophe Modeling experience a plus

Underwriter Complex Commercial Resume Examples & Samples

Underwriting and pricing package business, including Property, General Liability, Crime, Inland Marine, Automobile and Umbrella lines of business
Adhering to assigned authority levels
Responding to agent’s requests and inquires on a timely basis; providing superior service on new business and renewal quotes
Helping to set and strive to attain organizational targets for new business premiums and renewal retentions
Effectively manage relationships with producers and sales staff. This may include attending activities such as seminars, conferences and participating in Agency visits. Total travel of 20% or less
Maintaining a thorough knowledge of the insurance industry, and in particular
Developments in the specific fields underwritten, and staying abreast of industry trends
Developing and maintaining a working knowledge of all of the company’s products and marketing services
Offer suggestions for improving internal workflow effectiveness and new or enhanced product ideas
Foster and develop team spirit by supporting other team members
3 plus years of solid, documented experience underwriting
Bachelor's degree required, business related preferred
A relevant graduate degree would be viewed as a definite plus, as would a CPCU or other insurance designations
Knowledge of package, automobile and umbrella underwriting
Thorough knowledge of ISO rules, rating structures and forms for above lines of business
Ability to work independently, conduct necessary research of Company filings, proprietary forms, UW guidelines and industry information in order to provide accurate quotes, adhere to company guidelines and respond to coverage/exposure inquiries
Intermediate skill level in using basic software such as Microsoft Word and Excel
Familiar with working in paperless environment
Demonstrated team player, with strong verbal and written skills who can build relationships with clients and colleagues
High energy, pro-active self-starter; someone with a strong sense of urgency who likes to work hard and be in charge of their own fate

Commercial Underwriter Resume Examples & Samples

Ability to conduct in depth review of balance sheet, income statement, other financial information, tax returns, business plans and projections to determine, independently that the borrower can generate income and cash flow sufficient to repay existing and proposed debt
Ability to independently prepare well written approval presentations, including what is being requested, why it is being requested, the business and/or industry involved, the background and history of the business, risk and mitigating factors. Such presentations should also justify assigned risk rating and show the Bank policies, procedures and regulations are met
Interact with clients to ensure receipt of financial information necessary to support the underwriting process of Commercial Banking loans
Accompany Commercial RMs on client and prospect calls in conjunction with completion of the underwriting process of Commercial Banking loans
Review third party reports such as real estate appraisals, property condition and environmental reports, Field Exams and or property inspections and environmental investigations. 
Monitor compliance with Financial Information Requirements, including analyzing and reporting Borrowing Base Certificates and Covenants in a timely manner
Maintain a network of financial and legal professionals to support the knowledge necessary to complete any necessary analysis
Bachelor’s degree in business with a major in finance or accounting
Strong analytical ability
Strong organizational and multi-tasking skills
Good customer service skills

Commercial Underwriter Resume Examples & Samples

Accepts, modifies or rejects risks based on a review of business in terms of loss experience, inspection reports, file information, web resources, policyholder tenure, related policies, and nature of risk in accordance with company guidelines, standards and compliance with state laws
Provides documentation for any exceptions to established guidelines and critical account information relating to the final underwriting decision
Verifies coverage eligibility. Interprets policy contract language/forms and uses approved classification systems, rating plans and selection standards to determine eligibility, desirability and proper classification/pricing
Effectively communicates decisions and resolves agent/customer concerns promptly. Provides technical assistance to internal and external customers regarding coverage interpretations, policy and endorsement provisions, and underwriting acceptability for commercial property/casualty and workers compensation coverages
Develops collaborative working relationships with assigned agents providing customer service that meets or exceeds service level standards
Includes effective communication through phone calls and email to gather and analyze necessary information critical to the underwriting process and occasional field visits, to create new business opportunities and improve policy renewal retention
At direction of the Team Manager, Evaluates unprofitable books of business, agents or districts. Assists in developing plans to improve profitability
Informs team Manager of weakness in coverage and/or products that are adversely impacting growth potential
Gathers pertinent competitive information to assist in developing recommendations to product development
Provides support in a mentoring role to other team members within the commercial department, providing underwriting philosophy, guidance and training on transactions that exceed team member authority levels
Assists in educating agencies on products, services, automation, and underwriting standards as well as sales and cross selling techniques to promote accomplishment of our corporate goals
Maintains underwriting quality standards
May be required to work outside of core business hours depending on business needs. Performs other duties as assigned
Knowledge of management information and business systems (Word, Excel, PowerPoint, Access)
Must be detail oriented and accurate; demonstrate organizational skills and flexibility; ability to perform general mathematical calculations; ability to work in a fast paced environment be team oriented and have a consistent commitment to excellence
Analytical thinking skills to make timely, appropriate decisions and recommendations after reviewing all relevant information
Technical expertise in commercial risk selection and pricing
Excellent verbal, written and interpersonal skills, with demonstrated presentation skills. Ability to successfully interact with the agency force to grow business while at the same time maintaining underwriting discipline
Ability to read and interpret policy contract language
Working broad-based knowledge of relevant insurance laws and statutes; the contract issue process, computer systems, competitors products and marketing practices
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job
They are not intended to be an exhaustive list of all functions, physical demands and skills required of personnel so classified

Commercial Underwriter Resume Examples & Samples

Verifies coverage eligibility
Interprets policy contract language/forms and uses approved classification systems, rating plans and selection standards to determine eligibility, desirability and proper classification/pricing
At direction of the Team Manager, Evaluates unprofitable books of business, agents or districts
Assists in developing plans to improve profitability
May be required to work outside of core business hours depending on business needs Performs other duties as assigned

Commercial Underwriter Resume Examples & Samples

Supports strategies to minimize net credit losses by maximization of dollars recovered from written-off accounts (outside collection/repossession agency/attorney management). This includes assisting with on-boarding new vendors by requesting and organizing information associated with the RFP process
Builds solid peer-to-peer relationships in a team environment to meet operational needs
Communicates effectively and clearly on a daily, weekly, monthly basis with outside vendors to provide exceptional customer service regarding routine requests
Responds promptly to vendor requests (information, data, letter generation, etc.) on an as needed basis
HS diploma or equivalent required
Prior experience in financial services or similar industry preferred. Associate's degree or Bachelor's degree in business or related may be used as a proxy for the experience
Basic data entry and word processing skills

Commercial Lines Underwriter Resume Examples & Samples

Answer incoming calls from policyholders, agents and lending institutions responding to inquiries on coverage, and adjustments to policy information based on established Service Center best practices and within prescribed authority on commercial property and casualty lines of business residing in the Service Center
Initiate outbound calls and performs follow-up work required to close out inquiry/transaction
Examine and evaluates exposure through risk documentation (e.g. application, loss control reports, D&B etc.)
Work within authority to quote, accept, decline, modify and renew risks within territorial assignment in accordance with accepted underwriting guidelines
Will be proactive in improving and/or making proactive recommendations to improve risk profitability
Prepare and provides new insurance quotes for existing policyholders on existing accounts generated through cross and up-selling opportunities
Insurance coursework or related Property/ Casualty experience
Va P&C License (to be obtained within 30 days of hire)
Minimum 2+ years experience in automation
Bachelor’s Degree in Insurance or related field
General Insurance Program (INS)
Intro to Insurance
1+ years experience in commercial lines underwriting
Knowledge of Selective’s organization, products and automated systems

Commercial Underwriter Resume Examples & Samples

Prepare underwriting analysis and approve transactions within assigned credit authority under the direction of the Managing Underwriter
Prepare financial statement spreads and supporting financial information; communicate with clients, brokers, and their CPAs to obtain current financial data
Review the appropriateness of risk ratings; review compliance with credit policy
Minimum 3 years similar underwriting experience required
Experience in commercial lending, equipment finance and leasing highly preferred
Demonstrated experience with financial statement analysis, cash flow analysis and financial ratios required
Excellent time management skills, able to multi-task, meet deadlines in a fast paced high volume environment
Superior attention to detail with a commitment to quality and efficiency
High School Diploma or GED required; College Degree preferred

Commercial Underwriter Resume Examples & Samples

Maintains a log of maturing lines and coordinates renewal process to ensure that necessary information is received prior to line maturity
Monitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate. Maintains a log of pending action or resolution for past due loans
Maintains a current understanding of and complies with Reg B – Fair Lending, Community Reinvestment Act, HMDA, Bank Secrecy Act, Suspicious Activity Reporting, CIP, Gramm-Leach Bliley Act – information privacy, and OFAC regulations
May be asked to provide formal or informal training and support to various colleagues within the bank and across multiple job functions with regard to credit fundamentals, policy, and underwriting techniques and guidelines
Assists Commercial Loan Supervisor in the development and completion of special projects, spreadsheets, graphs, and reports as assigned
Exceptional communication skills both in verbal and nonverbal areas

Commercial Lines Underwriter Resume Examples & Samples

Evaluate insurance coverages
Negotiate with agents and customer service technicians to develop a saleable product without adverse selection to the company
Regularly visit agents to maintain strong relationships and market products and services
Four-year college degree preferred
Two – five years commercial lines underwriting experience, with risk evaluation skills and solid insurance contract knowledge
Strong analytical thinking

Senior Commercial Underwriter Resume Examples & Samples

Obtain and manage a book of business
Five years commercial lines underwriting experience, with risk evaluation skills and solid insurance contract knowledge
Strong communication, leadership and negotiating skills
Strong planning and organization skills with the ability to multi-task; and a willingness to accept challenges and take appropriate risks

Commercial Lines Underwriter Resume Examples & Samples

Manage a commercial underwriting territory of $5 to $12 million
Attain positive results for premium growth and acceptable loss ratios, through sound risk selection
Review and evaluate risks and coverages of new and/or existing commercial lines requests adhering to insurance principles and Company guidelines
Participate in the issuance of policies
Communicate with agents concerning the decisions of submissions, the explanation of new and existing products and services as well as other data relevant to departmental activities
Work with agents and CSR’s to obtain a saleable program for the agent/insured while avoiding adverse selection against the company
Maintain accurate file documentation of decisions made
Apply proper judgment in the pricing of products within the predetermined authorization and ensure proper documentations for risks requiring managerial authorizations
Assist in developing new products which contribute to growth and profits
Assist Marketing Department in achieving and relaying Company goals and new products or procedures internally and by agency visitation
7+ years’ experience working as a Commercial Lines Underwriter
Must have, or working towards, CPCU, AU or CIC designation
A four-year college degree or equivalent insurance experience
Solid knowledge of commercial insurance forms, coverages and contracts

Commercial Banking Underwriter Resume Examples & Samples

Evaluates loan requests, using a thorough knowledge of loan policy, guidelines and procedures
Analyzes industries and has a thorough knowledge of the risks associated with those industries. Assesses the risks inherent in each industry and suggests appropriate financing structures accordingly
Analyzes and validates customer borrowing base reporting for formula based lines of credit. Reports on delinquent reporting and/or over advance situations
Seeks alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated
Demonstrates effective time management by balancing multiple priorities within individual workload
Computer skills: Thorough knowledge of Word and Excel. Experience in spreading financial statements. Comfortable with and adaptive to working in an evolving electronic environment

Commercial Underwriter Resume Examples & Samples

Background or past experience as a Commercial Agent or prior Underwriting experience strongly preferred
This position works closely with agency force and distribution to grow their territory. Experience in Marketing is a plus
Reviews and evaluates underwriting to gain an understanding of the loss potential and appropriate price for the exposures presented
Computes rates and premiums based on findings and applies discretionary modification within authority
Documents any exceptions to established guidelines along with other critical account information
Selects the appropriate declarations, coverage forms, exclusions and optional coverage in order to complete a policy. Reviews accounts for acceptability, eligibility, classification and proper pricing based on assigned products and authority levels with the discretion to make exceptions after analyzing each risk
Accepts, modifies or rejects risks, within set authority level, based on a review of business in terms of loss experience, inspection reports, file information, web resources, policyholder tenure, related policies, and nature of risk in accordance with company guidelines, standards and compliance with state laws
Conducts appropriate reviews in order to prepare referrals for transactions above authority level to the underwriter or team manager
Provides agents direction into profitable markets then partners with then to drive profitable growth within assigned territories
Develops effective working relationships with assigned agents
Includes correspondence, phone calls and email to gather and analyze necessary information critical to the underwriting function
Responsible for driving and ensuring all policy transactions are issued and changes are processed accurately and in a timely manner Manages work assignments in order to ensure service level agreements are achieved and maintained
May be required to work outside of core business hours depending on business needs. Responsible for consulting departmental procedures relating to issuing, renewing, reinstating, canceling and changing accounts in order to ensure policies are compliant with various regulatory and company guidelines
Performs other functions as assigned
Must be detail oriented and accurate with demonstrated organizational skills
Strong verbal and written communication skills as well as interpersonal skills required. Ability to perform general mathematical calculations, be able to work in a fast paced team environment and have a consistent commitment to excellence
Analytical thinking skills required to make timely, appropriate decisions and recommendations after reviewing all relevant information

Commercial Portfolio Manager / Underwriter Resume Examples & Samples

Manage tracking and updating of reports including CREVI, Special Asset Transfers, Periodic Financial Reviews, and Loan Triage System
Underwrites renewals for Retail, Wealth Management, and Commercial Lines of Business on credits with exposure ≤ $3MM
Maintain and update Loan Monitoring System (LMS) for required financial covenants and covenant documents for Retail
Obtain and analyze pertinent financial data to determine risk of assigned credits while ensuring underwriting conditions and approval requirements are satisfied
Ensure effective communication with internal/external customers involved in the loan process
Also underwrites ACH and Letter of Credit renewals for Retail, Commercial and Wealth LOB’s
Perform research and maintenance related to customer loans, when necessary
Responsible for ordering appraisals and maintenance of new values within loan systems
Process and Manage Collateral Release Requests
Review incoming applications for completeness and forwards to the responsible Portfolio Managers
Order financial spreads, credit bureaus, and Dunn & Bradstreet reports, as needed
Perform special projects assigned by Director of Portfolio Risk and Portfolio Risk Manager

Senior Commercial Underwriter Resume Examples & Samples

At least 10 years’ of comparable experience. Preference will be given to candidates who have both commercial/equipment finance and leasing experience and middle-market bank experience
Strong credit and underwriting skills; understanding of bank’s credit profile, credit policies, and risk management objectives
Understanding of secured loan documentation; negotiation skills
Strong interpersonal skills to effectively communicate with prospects, senior account executives, agent banks, credit administration, and other bank personnel
Ability to effectively work under tight timelines
Proficient user of Microsoft Excel and Word
Demonstrated ability to analyze, negotiate, and manage complex Commercial Finance transactions
Experience analyzing business financial statements and tax returns (individuals and business)
Successful completion of a formal credit training program

Commercial Credit Card Underwriter Resume Examples & Samples

Reviewing underwriting of secured and non-secured corporate card applications by reviewing the offshore teams analysis of the individual or collective borrower relationship, including facility structure
Balance sheet analysis and income state analysis with a focus on cash flow and debt service capability
Assisting offshore team to identify and correct errors in underwriting
Support commercial lending team in review of policy and procedures in line with client expectations and final review of the underwriting package (average credit facilities of $750k to $5M)
Provide training and hands-on support for teammates
Minimum 2 years of commercial underwriting experience

Commercial Underwriter Columbus Resume Examples & Samples

General knowledge of Federal and State regulations related to real estate title insurance and settlement services
Excellent listening, verbal and written communication skills
Requires abstract thinking and creative solutions
5-7 years title underwriting experience

Commercial Underwriter Resume Examples & Samples

1) Sound credit analysis skills and judgment including the ability to respond to ad hoc requests
2) Strong written, oral, and interpersonal skills including the ability to explain / present your original analysis
3) The ability to work efficiently by meeting deadlines without sacrificing quality

Underwriter, Commercial Real Estate Resume Examples & Samples

Assist Commercial Relationship Managers (RMs) in managing workflow via a pipeline process with regard to the prioritization of new prospects, modifications, renewals/upcoming maturities, as well as Portfolio Reviews and Special Asset Reports while developing a working knowledge of all prospective opportunities through the process
Under the direction of the Underwriting Manager work with Rotational Development Program Participants to provide training on the nuances of client and financial analysis, including the underwriting process and presentation
Participate in all required training for compliance
Maintain adequate controls to ensure compliance with consumer protection statutes/regulations in a defined area of responsibility
Assist in training new team members which may include underwriters, relationship officers, administrative support and interns
Demonstrated ability to analyze financial statements, tax returns and repayment capacity
Strong interpersonal skills and effective communication skills, both written and verbal
Minimum 6 + years of experience in commercial real estate credit underwriting, including exposure to more complex transaction types
Proficient in Microsoft Office programs and familiarity with financial spreading software
Position may require the need to travel to other offices or client locations
Clearly communicate risk criteria, respond objectively and with confidence when challenged and involve the Underwriting Manager and/or Divisional Credit Officer as appropriate

Commercial Lending Underwriter Resume Examples & Samples

Develops a thorough understanding of DSC policies, processes and Procedure’s related to processing applications and contracts and to assessing credit worthiness
Takes actions necessary to collect or verify information required to process secure credit or process contracts
Uses the internet, spreadsheets and other automated or manual processes to compile required documentation and reports
Combines DSC credit guidelines with professional judgment to recommend the level of credit to be extended to each dealer
Process all new applications and existing DSC floor plan account reviews up to $200,000 Process Contract Modifications
Review request or Annual Reviews of existing DSC accounts
Approval authority up to $200,000 with scorecard completed
Process new application and DSC floor plan account financial summary for accounts above $200,000 for Credit Committee review as assigned
Verify all DSC required supporting documentation per account to secure DSC’s interest
Phone/Email contact to the DSC Customer (dealer) or DSC Account/Sales Executive for information/documentation required to decision a request
Draft Contract for customer and submit to DSC Account/Sales Executive for signing
Activate new account or modification on existing account once new contract is signed and returned to the corporate office
File UCC’s and send Purchase Money Security Interest letters as applicable
Report the status for all duties listed above to the Lending Supervisor
Some post high school course work in related field is preferred
Prior work experience in Auto or Financial service industry is preferred, not required
Have strong analytical skills and decision-making ability to make lending decisions and translate guidelines

Commercial Underwriter Resume Examples & Samples

Delivery of Existing Business financial plan (including rate carry and retention)
Preparation and delivery of allocated renewals
Develop effective working relationships with Trading Regions to support in delivery of objectives and understand their Broker Panel
Act as a referral point for lower level PUAs
Previous experience within a commercial underwriting role ideally within renewals and existing business
Experience within the regional market would be beneficial but is not essential
Good IT skills

Commercial Underwriter Resume Examples & Samples

Performs financial analysis and risk assessment for the commercial credit portfolio including Business Banking , Commercial & Industrial, Commercial Real Estate, and any other business line established by Bank
Review commercial loan applications and analyzes credit information to make a general assessment of applicant’s creditworthiness. Determines whether or not the proposed loan will conform to the Bank’s lending policy. Provide feedback to the Business Unit Manager, Regional and/or Market President, Senior RM and Commercial Credit Officer (CO), as appropriate, regarding the structure, underwriting, and management of loans. Maintain on-going communication with all appropriate management on the status of transactions
Spread statements for all new business opportunities and renewals not assigned to credit portfolio analyst. Financial spreading and cash flow/CRE template preparation for pre-screen/opportunity memo for prospects and new loans to existing clients
Prepare credit memos for new and renewal requests on complex credits and large clients, including those going before the Senior Credit Committee. This position could also serve as point of contact on large credits and/or will be assigned a portfolio of clients
Work with Commercial Relationship Managers in the preparation of complete and accurate CARs for presentation to the appropriate credit authorities for decisions on transaction credit requests and reviews. Attendance of loan committees when a CAR is being presented. Finalization of changes to CAR and verification of approval process in accordance with FFB policy
Work directly with Senior Relationship Managers, Business Unit Managers, and Regional Presidents in respective region. Includes attending local / regional meetings as necessary
Focus on new business and larger and/or more complex renewal transactions
Serve as additional point of contact on large credits and be present with RM/RA in discussions with client on financial statement questions. Assist RM/RA in maturity tracking for their assigned region. In conjunction with the CO, lead in the preparation of periodic portfolio reports assessing on-going risk
Assist in the management of workflow and assigned credits. Additionally, this associate’s responsibilities may include helping mentor, train and guide other Underwriters as needed
Assist on special projects as needed
Requires at least 5 years of credit or Business Banking underwriting experience
Proficiency in mathematical concepts, in order to apply to practical situations
Knowledge of advanced accounting principles and techniques
Bachelor’s Degree, preferably in Accounting, Finance, Economics, Business Administration or equivalent professional training
Three or more years of related experience
Master’s Degree in Business, encouraged but not required

Underwriter Commercial Surety Resume Examples & Samples

Use business acumen to perform primary surety underwriting and risk analysis and provide recommendations on new and existing commercial accounts
Within authority limit, make quick decisions and negotiate terms and conditions consistent with Commercial Surety requirements and standards and within submission timeframe
Understand and execute segment strategies to produce budgeted results
Accountable for accurate underwriting documentation/information in account management system and adherence to documentation standards
Develop and leverage productive agency/client relationships focused on relationship building rather than transactional sales through a disciplined sales management approach (i.e. planning and follow-up for agent/broker and prospective end customer visits/meetings)
Bachelors degree in Finance, Accounting, or equivalent
Solid understanding of financial and accounting principals and the ability to demonstrate sound business judgment in the evaluation of the financial condition, credit history, experience and character of commercial accounts
Excellent communication and organizational skills as well as attention to detail
Ability to work independently and juggle many tasks simultaneously in addition to comfortably interacting with people in small groups and social situations
3 years of work experience in a professional office environment is required, with a strong preference for surety, other insurance, financial brokerage, mortgage, and/or banking backgrounds

Commercial Underwriter Resume Examples & Samples

Top and Bottom Line Financial Performance for the Region
Ensuring all activities are carried out within Governance Frameworks
Contribute to the wider business activities
Developing your own Personal Development Plan
Previous underwriting experience

Small Commercial Lines Consolidation Underwriter Resume Examples & Samples

Lead the daily triage of new business with UT, including POS business
Assess submissions, categorize, and direct UT on next steps to be taken based on assessment and categorization
Provide direction and guidance to UT to properly prepare an account
Ensure all submissions are effectively managed to reach decline or quoting status
Determine the pricing, coverages, including coverage advantages to highlight in the quoting process, account rounding opportunity, and identify cross-sell opportunity for Specialty businesses on accounts being quoted
Refer accounts as appropriate if additional authority is required
Clearly communicate appetite, declination reasons and coverage advantages to Agents to improve hit ratio
Leverage relationships with Agents and SCSMS to identify opportunities to help write business
Communicate proactively with Agents to convey a sense of ownership and service during all interactions; instill confidence with agents in their decision to place new business with The Hanover
Agency travel as needed to build and maintain strong relationships
Partner with internal colleagues, mainly SCSMs, UTs and Renewal UW colleagues, to most effectively communicate difficult messages with Agent partners and on overall agency management

Commercial Lending Underwriter Resume Examples & Samples

Fully proficient in all skills sets expected in Underwriter I position
Develops a thorough understanding of NextGear Capital policies, processes and Procedure’s related to processing applications and contracts and to assessing credit worthiness
Higher decision authority (up to $500k) earned via demonstrated proficiency
Contributes to procedures for specific initiatives that impact Lending
Handle the more complex underwriting questions and follow through to resolution
Demonstrate leadership by consistently providing guidance and mentorship to other underwriters
Informally acts as knowledge point for the Underwriting team when Team Lead is unavailable
Handles team lead responsibility at times when team lead is unavailable
Demonstrated experience within the Lending team, fully proficient on most all individual procedures, and uses influence to guide decision and others
Proven expertise in the NextGear Underwriting process, procedure and guidelines
Displays high level of autonomy in managing workload and interaction with lending team
Train and mentor the Level 1 underwriters on the correct processing, though process, rigor, and document flow of the underwriting process
Mentor field staff as to “Why” and the process to improve all around knowledge and efficiency
High level of detail and builds accountability on self and others to maintain this high level
Process all new applications and existing NextGear Capital floor plan account reviews up to $500,000 as a standard
Process Contract Modifications Review request or Annual Reviews of existing NextGear Capital accounts. Including but not limited to Line of Credit Increases,
Approval authority up to $500,000 with scorecard completed. Underwriter has Decline authority
College Degree or 3-5 years relevant lending experience in a financial services Industry

Senior Commercial Underwriter Resume Examples & Samples

Performs financial statement analysis for individuals and various types of businesses, typically involving complex and interlocking relationships
Spread financial statements and tax returns in Moody’s Risk Analyst or Buker’s Tax Analysis
Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
Rendering guidance to lending officers on credit matters and loan structures
Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends

Commercial Underwriter Resume Examples & Samples

Responsible for underwriting new commercial loans for loan size ranging to $20 million
Spread financial statements in Moody’s Risk Origins
Review and analyze borrower financial information including corporate financial statements, tax returns, accounts payable and account receivable aging to determine strength of business and risk involved in deal
Run litigation, lien and Google searches
Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, liquidity statements and credit reports to determine strength of guarantor
Contact with Lenders, Borrowers, Brokers, and CPAs to obtain and understand required financial information
Determine borrower, guarantor and facility risk rating and LIED
Complete approval memoranda for submission to Senior Credit Officer and Chief Credit Officer for review
Prepare facility letter for borrower or work with outside counsel to prepare
Review loan documents for adherence to credit approval. Follow up for any pre-funding conditions
Responsible for assembling virtual credit file and physical credit file in office
Review and analyze interim financial statements post-closing to monitor loan for covenant compliance
Quarterly updates of borrower and facility ratings on existing loan portfolio
Review and analyze monthly or quarterly account receivable aging reports, inventory reports and borrowing base certificates for compliance with advance rates
Responsible for the annual review of portfolio- including analysis of financial statements for covenant compliance and maintaining appropriate risk ratings
Approve overdrafts of borrower DDA as per authority

Underwriter Small Commercial Resume Examples & Samples

Underwrites business (new or renewal, as applicable)
Prepares files with assistance from mentor
Prepares analysis on agency book on quarter-to-quarter basis for potential action
May or may not act with limited Underwriting Authority
Applies all applicable LOB Underwriting guidelines when making decisions
Typically manages smaller volume and/or smaller Total Written Premium goal compared to country-wide standard
May underwrite less complex business and/or have more support from senior underwriters and/or highly frequent referral activity to complete quotes
Has basic knowledge of applicable laws, regulations and governance
P&C Underwriting "hands on" experience is required for this role****
Min 3+ year Small Commercial industry UW experience, ideally 3+ yrs with National carrier in commercial P & C underwriting experience required
Strong analytical skills and the ability to pay attention to detail to create risk based underwriting decisions including risk acceptance and pricing elections
Thinks like an owner and executes with high level of accountability for self and organization

100

Commercial Underwriter Resume Examples & Samples

Manage pricing for existing business to meet profitability targets
Manage new business submissions to achieve production goals while maintaining appropriate profitability
Identify and determine appropriate action for all critical accounts within assigned territory
Meet administrative goals for pricing tasks and timeliness of quote delivery
HS diploma or equivalent required. Associate / Bachelor's degree in business related discipline preferred
3 + years in financial services or similar industry is preferred
Proficiency in Microsoft Office Programs
Demonstrated high level communication skills (written/verbal/active listening)

101

Commercial Underwriter Resume Examples & Samples

Provides documentation for any exceptions to established guidelines and critical account information relating to the final underwriting decision. Verifies coverage eligibility
Interprets policy contract language/forms and uses approved classification systems, rating plans and selection standards to determine eligibility, desirability and proper classification/pricing. Effectively communicates decisions and resolves agent/customer concerns promptly
Provides technical assistance to internal and external customers regarding coverage interpretations, policy and endorsement provisions, and underwriting acceptability for commercial property/casualty and workers compensation coverage
At direction of the Team Manager, Evaluates unprofitable books of business, agents or districts. Assists in developing plans to improve profitability. Informs team Manager of weakness in coverage and/or products that are adversely impacting growth potential
Maintains underwriting quality standards May be required to work outside of core business hours depending on business needs Performs other duties as assigned
Excellent verbal, written and interpersonal skills, with demonstrated presentation skills
Ability to successfully interact with the agency force to grow business while at the same time maintaining underwriting discipline. Ability to read and interpret policy contract language. Working broad-based knowledge of relevant insurance laws and statutes; the contract issue process, computer systems, competitors’ products and marketing practices

102

Commercial Underwriter Resume Examples & Samples

Effectively communicates decisions and resolves agent/customer concerns promptly
Gathers pertinent competitive information to assist in developing recommendations to product development. Provides support in a mentoring role to other team members within the commercial department, providing underwriting philosophy, guidance and training on transactions that exceed team member authority levels
One to four years insurance industry related experience in personal lines policy service/support, personal lines underwriting or policy service/support, Claims or agency sales/service position or, One to two years of commercial underwriting experience
Technical expertise in commercial risk selection and pricing. Excellent verbal, written and interpersonal skills, with demonstrated presentation skills
Ability to successfully interact with the agency force to grow business while at the same time maintaining underwriting discipline
Working broad-based knowledge of relevant insurance laws and statutes; the contract issue process, computer systems, competitors’ products and marketing practices
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all functions, physical demands and skills required of personnel so classified

103

Commercial Underwriter Resume Examples & Samples

Keeps abreast of overall trends in multifamily real estate markets
Manage all aspects of transaction including client communication, borrower meetings and sponsor review
Manage pipeline of 7-10 loans and ensure proper timeline management and communication to client and senior management
Perform underwriting, credit analysis, negotiating and closing of multifamily and commercial real estate loans in order to satisfy production goals while maintaining credit quality and credit policy adherence
MBA Preferred;5+ years work experience as an underwriter or equivalent position working on commercial real estate originations
Ability to work independently and leverage professional relationships within and outside the bank
Broad exposure across financial services products, commercial segments and delivery channels
Full utilization of sales automation tools and related technologies.,GSE multifamily underwriting criteria (Fannie Mae, Freddie Mac, and FHA) a plus
Knowledge of commercial banking products and services (both credit and non-credit), Sovereign Banks Credit Policy and Procedures, competitor product lines and commercial compliance regulations
Knowledge of financial analysis, underwriting methods, risk evaluation, loan documentation and commercial loan collection activities
Proficiency in MS Word, Excel, and Power Point. Experience utilizing
Duties are performed in an office environment. Physical demands could involve any or all of the following: digital dexterity and hand/eye coordination in the operation of office equipment; light to moderate lifting (10-20 lbs.) & carrying of supplies,2 files, etc; the ability to speak to and hear customers and/or other employees both telephone calling and in person; and body motor skills sufficient to enable the incumbent to move from one office location to another

104

Commercial Underwriter Resume Examples & Samples

Prepares and/or updates appropriate RECAP documentation with guidance from MCU (Manager Credit Underwriting)
Provides basic industry analysis
Evaluates strengths and weaknesses of the credit and escalates risks and other issues to MCU and/or RM or PM (Portfolio Manager)
Assists RM/PM with contacting customers to obtain answers for loan analyses and recommend loan structures and covenants
Prepares risk rating with guidance from MCU
Monitors loan covenants and tracking on simple transactions in conjunction with CSC (Credit Support Center) support team for assigned relationships
Shares responsibility with Credit Specialists for performing OFAC checks and identifying issues
Investigates title searches, surveys and UCC (Uniform Commercial Code) searches as requested by MCU or RM/PM
Adheres to department procedures for workload management
Strives to meet or exceed SLA, or when not possible, communicate to MCU and RM/PM
Bachelor's Degree in Business or Economics
0 cumulative GPA
Two (2) Accounting courses (minimum 6 units) with a 3.0 GPA average

105

Commercial Underwriter / Asset Manager Resume Examples & Samples

Underwrite and review nontraditional bank financing transactions on a national-level ranging in size from $200,000 to $10,000,000
Prepare and present loan approval packages to loan committee
Fully understand the procedural aspect of commercial lending from origination to close
Review and provide written analysis of financial statements, tax returns and cash flow statements from prospective clients
Review and provide analysis of third party reports, such as appraisals, environmental and construction schedules
Work and collaborate with the loan origination team to develop loan structure to meet the client’s objectives
Identify potential enhancements to improve credit and reduce risk
Highly analytical, strong written and verbal communication, resourceful, and one who takes the initiative and is confident in one's work and abilities
Strong interpersonal skills and ability to work well in a team environment
Proven track record of over achieving vetted through hard work and discipline, which is built upon desire to succeed and ambition
Desire to innovate and implement systems to ensure operational efficiency is a necessity
Extremely well organized with the ability to effectively multi-task and calmly handle large workload, while maintaining a positive attitude
Strong sense of urgency about solving problems, meeting challenging deadlines, and achieving goals
Bachelor's degree or higher in real estate, finance, accounting, or business
Minimum of 5-7 years of experience in underwriting commercial real estate loans in various asset classes, including residential, multi-family, mixed-use and commercial
High proficiency in Excel & MS Office

106

Commercial Underwriter Resume Examples & Samples

Effectively communicates decisions and resolves agent/customer concerns promptly. Provides technical assistance to internal and external customers regarding coverage interpretations, policy and endorsement provisions, and underwriting acceptability for commercial property/casualty and workers compensation coverage
Includes effective communication through phone calls and email to gather and analyze necessary information critical to the underwriting process and occasional field visits, to create new business opportunities and improve policy renewal retention. At direction of the Team Manager, Evaluates unprofitable books of business, agents or districts
Assists in developing plans to improve profitability. Informs team Manager of weakness in coverage and/or products that are adversely impacting growth potential. Gathers pertinent competitive information to assist in developing recommendations to product development
Senior level experience
Knowledge of management information and business systems (Word, Excel, PowerPoint, Access). Must be detail oriented and accurate; demonstrate organizational skills and flexibility; ability to perform general mathematical calculations; ability to work in a fast paced environment be team oriented and have a consistent commitment to excellence
Analytical thinking skills to make timely, appropriate decisions and recommendations after reviewing all relevant information. Technical expertise in commercial risk selection and pricing

107

Commercial Account Underwriter Resume Examples & Samples

Analyzes the operations and exposures of various commercial lines risks, including new business, renewals, and policy changes (including Certificates of Insurance). Applies standard underwriting guidelines to accept, reject, rescind, or modify coverage within authority limit granted
Discusses specific commercial lines risks, underwriting guidelines, and decisions with financial representatives, their staff, and company personnel
Utilizes effective persuasion and negotiation techniques to facilitate the acceptance of underwriting decisions
Interprets policy and endorsement language in order to properly package appropriate coverages for new and existing business clients. This includes initiating (on an account basis) deviations to standard underwriting eligibility guidelines, coverages, and endorsements, when appropriate
Administers company rate modification program regularly on an individual account basis
Maintains an agency’s overall pricing modification program based on loss experience of the agency and current position in the market pricing cycle
Reviews, evaluates, and documents detailed underwriting actions on large accounts for assigned territory
Travels to the field to attend and participate in agency field meetings. As needed, makes presentations during these meetings to convey new underwriting or procedural information. Partners with Financial Representatives and agency managers to meet growth and profit goals through quality control activities
Utilizes a variety of online systems to retrieve and/or enter policy information and access reference material, including utilization of various company and system programs, sites and screens for day to day functions and efficiencies
Education equivalent to graduation from college or the equivalent (i.e., graduation from high school, supplemented by some college level course work and two or more years of underwriting experience)
Two or more years’ experience as an Underwriter or the equivalent in related work experience
Demonstrates a sound working knowledge of underwriting philosophy and practices and insurance company operations
Excellent oral and written communication (including telephone etiquette) and presentation skills
Possesses excellent analytical ability, decision-making, and critical thinking skills related to underwriting, processes, and procedures
Proven success in negotiating effectively and dealing with potential conflict
Ability to handle pressure and multi-task in a production, team-based environment
Demonstrates proficiency with computer-based technology, including a good working knowledge of Microsoft Office Word and Excel (or their equivalents)
College degree in business, insurance or agribusiness
Three or more years’ experience as a Commercial Lines Underwriter or the equivalent in related work experience
Experience with underwriting multi-line commercial policies within the property/casualty insurance industry is strongly preferred
Demonstrates a sound working knowledge of commercial lines philosophy and practices within the property/casualty insurance industry
Demonstrates an intermediate working knowledge of Microsoft Office products, including Word, Excel, Access, and PowerPoint
Highly efficient and proficient with the Commercial CQP and all related ancillary systems

108

Senior Commercial Underwriter Resume Examples & Samples

For CRE and C&I loans, conduct in-depth review of balance sheets, income statements and tax returns, business plans and projections presented by applicants to assess their ability to generate income sufficient to repay existing and proposed debt
Review construction contracts, leases, appraisals, environmental assessment reports, UCC searches, flood determinations, insurance policies and other information to assess risks associated with the bank’s collateral position
Perform Underwriting Manager duties, including Secretary of the Corporation’s Credit Committees, when required; accountable for, with periodic oversight from Underwriting Manager, training and development of junior underwriters
Five or more years experience in a credit analysis role relative to commercial lending
Thorough knowledge of cash flow analysis, ratio analysis and projections as well as commercial loan structuring and documentation
Provide work direction to less experience staff

109

Commercial Package Underwriter Resume Examples & Samples

Evaluate the experience of a risk against the class of business under review
Evaluate pricing and coverage to ensure premiums charged are commensurate with the exposure based on company procedures and guidelines
Assist the program manager in resolving agency disputes or problems
Bachelor’s degree or related work experience in a similar environment
3-10 year(s) experience in multiline underwriting
Knowledge of property and casualty underwriting procedures and policies
Strong analytical ability and organizational skills. In addition, must have a demonstrated ability to lead, plan and work well with others and independently
Experience in and ability to handle commercial risks, which generate a premium level up to $150,000 or more

110

Commercial Underwriter Resume Examples & Samples

Reviews policies for renewal consideration
Enter and/or research information into computer system
Strong analytical skills with an attention to detail
May visit agents
Performs other duties as may be assigned
Present a professional and helpful appearance
Knowledge, Skills, and Abilities
High school graduate or GED preferred, college level courses with an emphasis on business studies helpful, professional certifications beneficial (P&C Lic., AAI, AIM, etc.)
Prior exposure to insurance underwriting type activities
Basic familiarity with computers
Good oral and written communications skills
Strong analytical skills and the ability to pay attention to details
Resourceful and controlled assertive behavior characteristics
Training and Experience
High School graduate or GED preferred
Associated classes or courses and/or industry license, or designation

111

Commercial Underwriter Resume Examples & Samples

Assist Commercial Relationship Managers (RMs) in managing workflow via a pipeline process with regard to the prioritization of new prospects, modifications, renewals/upcoming maturities, as well as Portfolio Reviews and Special Asset Reports while developing a working knowledge of all prospective opportunities through the Process
May function as an Underwriter Team Lead managing underwriters in remote locations
Demonstrated ability, working with the Commercial Relationship Manager (RM), to independently underwrite complex financial transactions
Possess the knowledge and understand what information is required and work with the client to obtain it if necessary
The ability to independently determine what type of analysis is required based on prior knowledge of the transaction type and/or knowledge of the industry and client involved
Thorough knowledge of accounting and legal principles underlying bank commercial lending
Strong problem solving and follow up skills with the ability to draw conclusions from research
Demonstrated willingness and ability to train/mentor peers
Minimum of 7-10 years of experience in commercial credit analysis with demonstrated skills in areas such as cash flow and financial analysis

112

Commercial Underwriter, Property & Casualty Resume Examples & Samples

Certificate in Insurance
Over 8 years of practical experience in insurance field, including minimum of 5 years of commercial underwriting experience for values over CAD$1,500,000 (construction preferred)
Understanding and experience (1-3 years) in the Lloyds and London Insurance Market experience
From 2 to 3 years of prior Roofing Underwriting experience
Ability to exercise sound judgment in risk selection particularly in the field of commercial property
Previous experience analyzing new business for commercial property industry and renewals for risk profitability according to underwriting guidelines for this industry,
Proficient in MS Office: Word, Excel, PowerPoint and Outlook
5 years of experience with TAM or Epic broker management systems
Practical experience providing strategic planning advice and guidance to clients and insurers in the industry for insurable values of over CAD$1,000,000
Strong communication skills: Written and verbal including presentations
Strong time management skills, goal oriented, and self-directed
Required to travel 25% for Broker visits and meetings

113

Commercial Lines Underwriter Resume Examples & Samples

Manage a commercial underwriting territory of $4 to $10 million
Must have, or working towards, AU and/or CPCU designation(s)
Knowledge of commercial insurance forms and coverages

114

Commercial Lines Field Underwriter Resume Examples & Samples

Selects new risks based on established departmental guidelines within delegated authority. Utilizes appropriate endorsements/policy forms and applies appropriate pricing structure. Place reinsurance as within authority
Refers viable risks outside of authority to State Manager after pre-underwriting is complete. Demonstrate knowledge of subject material through referral discussions and file documentation. Exhibit sound judgment in decision-making
Responsible for prospecting, evaluating, appointing and developing new agencies in the fulfillment of growth objectives
Establish, implement and monitor annual business plans for agencies in the assigned sales territory
Identify agencies with the greatest potential for profitable growth and maximize field time committed to supporting those agencies
Analyzes quality, volume, mix of business and profit for assigned producers. Identifies trends in submission activity and works to meet production targets as established. Maintain policy retention and pricing objectives
Maintains superior service that meets and exceeds department standards
Responsive to producer needs. Displays confidence in negotiating terms, conditions and pricing with assigned producers. Can find creative product and pricing solutions to write business as the need arises. Displays understanding EODB with customers
Develop effective relationships with agents to meet production goals. Practice effective verbal and written communication skills and maintain professionalism in all work dealings
Responsible for agency travel to increase producer awareness of Grange underwriting appetites, philosophy and product offerings
Develop and maintain full knowledge of all policy forms, coverages, rating plans and manuals for all lines written. Serve as a resource to our agents and share knowledge and experience with our underwriters
Provide insight and input on all assigned agents for the agency reviews
Maintain thorough and complete file documentation for all assigned accounts. Thought process should be evident and logical
Demonstrates understanding and ability to analyze financial statements
Utilizes Grange systems for underwriting analysis, communication and maintaining awareness of claims and loss control activity within assigned book of business
Observes and investigates competitive market trends and shares information with team

115

Senior Transactor & Commercial Underwriter Resume Examples & Samples

Experience in top tier bank’s trade transactional team or equivalent in corporate/ other funder environment
Experience with trade-related technologies including blockchain
Experience with new business and product development
Interpersonal skills - team player with internal and external stakeholders/ clients
Languages helpful, ability to engage with diverse, global teams
Knowledge of Basel III and IFRS/ accounting international regulatory guidelines
Expertise in Excel, PowerPoint, Word, basic transactional modelling and forecasting

116

Commercial Underwriter Resume Examples & Samples

Prepares and/or updates appropriate RECAP documentation with little to no guidance from MCU (Manager Credit Underwriting) for basic requests. May work on more complex relationships with guidance from MCU or in support of a senior underwriter
Prepares collateral charts, cash flows, risk ratings and other attachments with minimal assistance
Provides industry analysis and apply risks & opportunities to specific client/request
Develops analytical narrative and commentary on the request
Independently prepares risk rating
Calculates loan covenants and assist with tracking on simple transactions in conjunction with CSC (Credit Support Center) team for assigned relationships. Follows up with PM/RM on violations
2 years of commercial underwriting, credit and/or lending experience
Completion of Credit College or other formal credit training
3 years' experience with Microsoft Office applications (Word, Excel, PowerPoint, Outlook)

117

Commercial Underwriter Business Loan Center Account Management Auburn Hills Resume Examples & Samples

Provide complete analysis of loan package for new deals, reviews and renewals
Prepares basic collateral charts, cash flows, risk ratings and other attachments
Identifies policy exceptions and works with MCU/RM (Relationship Manager) to mitigate them
Identifies and analyzes inconsistencies and inaccuracies in customer data, including spreads, aging's, projections and other financial documents
Develops basic analytical narrative and commentary on the request
Process Sustainability
Ensures appropriate RECAP formats/attachments are used in accordance with approved process & procedures
1 year Microsoft Office applications (Word, Excel, PowerPoint, Outlook)

118

Commercial Underwriter Resume Examples & Samples

Perform risk reviews and upfront underwriting review to determine risk acceptability (new business, renewals, reinstatements)
Make decisions on risk acceptability or present risk details to Underwriter or Underwriting Manager for decision approval
Serve as point of contact for Phones and Processing teams on regular exceptions
Implements agreed upon underwriting procedures to achieve growth and profit objectives
Involvement with underwriting and processing of new business and renewals, including providing some input into product decisions and procedures
Implement procedures and guidelines for Commercial Vehicle and make recommendations to Underwriting Manager for changes that will enhance our current book of business and automation of the Commercial Auto product
Document and Communicates underwriting guidelines, philosophies, and decisions with Pricing, Marketing, Compliance, etc
Develop and analyze both internal and external data for assigned business segment(s) and line(s) of business in order to direct pricing, underwriting, and sales decisions
Analyze the quality of assigned books of business through agent and profile reviews, audits, and ongoing communication with Pricing, Marketing, and PS&S
Help to determine actions needed for agent rehabilitation
Serve as a contact for CV agents
Assist with Reviews on agent's books of business for book roll opportunities by quoting policies and determined acceptability, pricing, and risk management opportunities
Train and mentor Processing and Phone teams as new and/or revised procedures are implemented
Use file review (conducted by themselves or others) to ensure adherence with underwriting guidelines and direction related to assigned business segment(s) and line(s) of business reporting results to Underwriting Manager and making recommendations to improve results
Develop knowledge of state and laws and regulations applicable to the underwriting of commercial vehicles and act a subject matter expert for both agents and underwriters
6 months of commercial underwriting experience
Ability to establish and maintain agency relationships, identify profitable opportunities, and able to assist in leveraging business opportunities for other divisions
Professional phone etiquette and interpersonal skills
Effective leadership and diplomacy skills
Negotiation and sales skills
Strong attention to detail, organizational skills, and timeliness in order to meet customer service expectations
Ability to work in a fast paced environment meeting aggressive business deadlines
Bachelor's Degree in a Business related field
1 years insurance underwriting experience in Commercial lines
Willingness to pursue Insurance professional designations such as IIC, CPCU, AU, and/or ARM
Thorough knowledge of the Policy Processing systems
Ability to effectively prioritize
Multi-tasking abilities
In-depth business knowledge
Effective problem solving skills
Ability to cultivate cross-functional relationships

119

Commercial Underwriter Resume Examples & Samples

Responsible for spreading financial statements, preparing statement analysis and covenant checks in support of the commercial lending function
Prepares basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process, with supervision of Underwriting Manager or Commercial Underwriter IV
Provide production goals based upon needed level of supervision and complexity of deal flow
Prepare Risk Adjusted Return on Capital Model for new and renew opportunities
Maintain responsibility for completion of the Commercial Credit Application once engaged by CRM, and after receipt of Opportunity Memo explaining the request
Prepare and/or review (if prepared by centralized spreading team) spreads for commercial relationships upon receipt based upon requirements of Loan Agreement
Follow procedures to ensure that the system of record (Loan Quality Assurance System) includes the subject monitoring document with the reviewed items and forwarded for signature to CRM

120

Commercial Underwriter Administrative BR Comm Underwriting Resume Examples & Samples

UWM to provide production goals based upon needed level of supervision and complexity of deal flow
Spread financial statements as provided by Commercial Relationship Manager (CRM)
Prepare Loss Given Default and Probability of Default models for new and renew opportunities
Maintain responsibility for completion of the Commercial Credit Memo (approved template to be used) once engaged by CRM, and after receipt of Opportunity Memo explaining the request. Key items
Prepare financial analysis of spreads
Prepare covenant checks as required by Loan Agreement
Identify portfolio weaknesses and trends and alert CRM and UW Manager to deteriorating portfolio conditions

121

Commercial Underwriter Resume Examples & Samples

Provides on-going financial statement spreading across all markets (primary)
Provides additional covenant check support to the commercial lending and underwriting groups where needed (secondary)
Prepares basis and preliminary credit analyses through the spreading function to aid in determining the viability of a potential credit opportunity, with supervision of Underwriting Manager or Commercial Underwriter IV
Develops a “base” understanding of various types of lending facilities as well as a variety of companies and industries
May be considered a part of the Bank’s “Centralized Commercial Spreading Team” responsible for the on-going financial statement spreading across all markets. This is a key role for the company and may limit other responsibilities as determined by the direct supervisor
Performs other duties as assignedROLES AND RESPONSIBILITIES - COMMERCIAL ORIGINATIONS & ONGOING PORTFOLIO MANAGEMENT
Spreads financial statements as provided by Commercial Relationship Manager and distributed by Underwriting Manager
Maintains responsibility for completion of the preliminary credit analysis once engaged by Commercial Relationship Manager / Underwriting Manager / Commercial Underwriter IV; Key items for both originations and renewals
Works directly with the Commercial Relationship Manager / Underwriting Manager / Commercial Underwriter IV to ensure accurate spreading of financials
Ensures accuracy of any preliminary analysis presented to the Commercial Relationship Manager / Underwriting Manager / Commercial Underwriter IV
Properly documents and notifies Commercial Relationship Manager / Underwriting Manager / Commercial Underwriter IV when statements do not balance
Performs preliminary cash flow analysis if requested
Aids in covenant check and other portfolio management support as requested by the Underwriting Manager
Identifies weaknesses & trends and alerts Commercial Relationship Manager and Underwriting Manager to deteriorating conditions
Participates in deal team meetings between Relationship Manager, Market President and Senior Credit Officer as required
Participates in credit decision meetings with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer
Quantifiably documents production on a regularly basis
Bachelor's degree (B. A.) from four-year college or university; 0-2 years related experience and/or training preferred
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations
Ability to write reports, business correspondence, and procedure manuals
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public
Ability to work with mathematical concepts such as probability and statistical inference
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists
COMPUTER AND OFFICE EQUIPMENT SKILLS
Spreadsheet (ex. MS Excel) and Word Processing Software (ex. MS Word)
Facsimile machine and Copier/Scanner
Hewlett Packard 12 C Calculator (or equivalent)
Financial Spreading Software

122

Commercial Underwriter / Asset Manager Resume Examples & Samples

Manage and service a national commercial loan portfolio, which includes servicing, construction management, valuation, workouts, and viable exit strategies
Fully understand the procedural aspect of commercial lending, including origination, underwriting, closing, & servicing
Communicate effectively with borrowing clients to service loan portfolio and monitor performance
Identify potential enhancements to improve credit and reduce risk for the loan(s) and the portfolio
Minimum of 5-7 years of experience in underwriting & managing commercial real estate loans in various asset classes, including residential, multi-family, mixed-use and commercial

123

Underwriter, Commercial Institutions Resume Examples & Samples

Some underwriting experience is desired; other relevant professional experience may substitute for underwriting experience
Ability to analyze financial statements
Ability to network and build relationships

124

Commercial Underwriter Resume Examples & Samples

Perform financial analysis by employing profitability, liquidation, solvency and cash flow analysis and credit underwriting via key issue identification, working capital assessment, and ratio interpretation
Complete spreads in a timely and accurate manner
Complete loan approval package to include memorandum, summary of terms and conditions, debt sheet, profile sheet, and other appropriate information
Participate in customer and prospect calls as necessary
Cross sell other financial services including cash management, credit cards, deposit accounts and other bank services
Manage deal flow in credit department
Participate in community affairs to increase the bank’s visibility and enhance new business opportunities
Keep informed on trends and conditions within assigned industries, individual customer businesses and general banking trends
Assist Bank in its CRA lending activities ensuring Fidelity is meeting the needs of communities it serves

125

Commercial Underwriter Assistant Resume Examples & Samples

Data Entry and/or typing experience 45 wpm with high accuracy
Ability to multi task and prioritize is required
Dependable and flexible (good attendance)
Ability to handle a heavy inventory of work
Must be able to commit to entire length of assignment

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