Credit Underwriter Resume Samples

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OS
O Stamm
Orpha
Stamm
27630 Faustino Locks
Dallas
TX
+1 (555) 325 7741
27630 Faustino Locks
Dallas
TX
Phone
p +1 (555) 325 7741
Experience Experience
Philadelphia, PA
Credit Underwriter
Philadelphia, PA
Rodriguez Inc
Philadelphia, PA
Credit Underwriter
  • Supervise and manage the activity of the other credit analysts; ensure adequate workloads, support and career development opportunities
  • Work with Relationship Managers and Credit Officers to assess credit opportunities, identify key risks and structure alternatives
  • To coordinate and work very closely with vendor for effective cost and compliance management
  • Assist the sales teams in developing the best suited propositions four our customers
  • Manage the credit process while communicating effectively with the Relationship Manager, Credit Officer and Client
  • Maintain credit policy standards, perform general supervision of work flow and participate in team effort to achieve departmental/company goals
  • Managing own workload to ensure all work is completed in a timely manner, within our Service Level Agreement
Houston, TX
Commercial Credit Underwriter
Houston, TX
Dicki, Herzog and Huel
Houston, TX
Commercial Credit Underwriter
  • Ongoing portfolio monitoring and servicing activities in conjunction with Shared Services support
  • Conducting timely covenant compliance review and analysis to include managing, approvals, waivers and default letters
  • Preparing thorough and accurate periodic risk rating assessments
  • Banking, ACH Transactions, and Payment Processing backgrounds a definite plus!
  • Ongoing portfolio monitoring and servicing in conjunction with Shared Services support
  • Monitoring timely receipt of current and adequate financial statements and ensuring accuracy of financial statement monitoring system
  • Underwriting of Monitored Lines of Credit, and periodic monitoring via Borrowing Base Calculations throughout the life of the loan
present
Phoenix, AZ
Senior Credit Underwriter
Phoenix, AZ
Larson, Wiegand and Stracke
present
Phoenix, AZ
Senior Credit Underwriter
present
  • Provide support to the Director of Credit, Retail Credit Manager and the local credit committee
  • Work with Relationship Managers and Credit Policy Officers to assess credit opportunities, identify key risks, and structure alternatives
  • Work directly with RMs to obtain all necessary financial statements and transaction information in order to analyze credit requests
  • Manage the renewal process and prepare annual/ semi-annual reviews, including preparation of an in-depth credit analysis of existing borrowers
  • Complete other duties and special projects as assigned by Senior Management
  • Promote a positive work environment
  • Assess and make credit decisions on closed-end and revolving product applications including secured and unsecured loans and Credit Cards
Education Education
Bachelor’s Degree in Finance
Bachelor’s Degree in Finance
University of Oregon
Bachelor’s Degree in Finance
Skills Skills
  • Should be able to handle multi tasking and good communicator
  • Excellent attention to detail
  • Good verbal and written communication skills. Ability to interact with dealer finance managers, branch personnel and other Bank departments
  • Ability to work in a fast paced environment and move quickly through assignments to ensure deadlines are met
  • Strong organizational skills with attention to detail
  • Knowledge of commercial credit and fine credit quality skills including accounting, financial statement analysis and cash flow analysis experience
  • Strong attention to detail
  • Be solution focused with strong interpersonal and negotiating skills and evidence of ability to interact, engage and influence
  • Highly proficient in MS Office
  • Quality orientation / Attention to detail
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15 Credit Underwriter resume templates

1

Mortgage Credit Underwriter Resume Examples & Samples

  • Incumbents would typically possess up to 2 years of mortgage loan underwriting and/or 6 years of mortgage loan processing or other related mortgage experience
  • Preferably up to 2 years of credit analysis experience
  • Retirement Plan – 401k with matching
  • Tuition Assistance – financial help for going back to school
2

Gwim Structured Credit Underwriter Resume Examples & Samples

  • Bachelor’s degree in business administration, finance, accounting or economics
  • 2 plus years of commercial credit experience
  • Excellent interpersonal skills and the ability to build business partnerships with risk, services and client teams who may not be co-located
3

Associate Credit Underwriter Resume Examples & Samples

  • Bachelor's degree in a related field is preferred
  • 3-5 years credit lending experience
  • Strong oral and written communication skills, an aptitude with figures, the ability to perform in a high volume work environment, excellent analytical and problem solving skills and attention to detail
  • Must have the ability to prioritize work to meet deadlines
  • Knowledge of the Symphony system and its role in the branch office is a plus
4

Credit Underwriter Resume Examples & Samples

  • NOTE** The information listed within this description summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position
  • 2-3 years experience in underwriting property and credit or 2 years experience at Citi in mortgage processing
  • Excellent oral and written communication skills are required
  • Good analytical, problem solving, organizational and communication skills needed
5

Municipal Credit Underwriter Resume Examples & Samples

  • Undergraduate degree in finance, economics or accounting
  • Minimum of five years experience in commercial or municipal credit analysis, structuring, financial markets, public finance or government administration
  • Clear and concise verbal and written communication skills
  • Sound judgment, logical reasoning, and exhibits strong drive for results and success
  • Ability to work independently and manage changing workload priorities appropriately
  • Operate effectively in a virtual team environment across geographic boundaries
  • Efficient organizational skills/attention to detail
  • Adaptability to continuous learning
  • PC/computer proficiency. Microsoft Word/Excel software package
  • Experience in municipal banking or finance
  • 10+ years of municipal or commercial banking experience
  • Familiar with loan documentation and / or bond documentation
  • Demonstrated leadership
  • Experience with building and working with complex Excel models
  • Experience making decisions with less than perfect or complete information
6

Team Lead-credit Underwriter Resume Examples & Samples

  • Experience with and knowledge of property and credit underwriting requirements of FNMA, FHLMC, and private mortgage insurance companies
  • Excellent oral and written communication skills are required. Ability to effectively make decisions in an independent manner and availability as a resource advisor for all staff
  • Team oriented with strong abilities to communicate effectively via telephone and written correspondence
  • Must be detailed oriented
  • Ability to provide constructive feedback to staff
  • Ability to handle escalations required
7

Credit Underwriter Resume Examples & Samples

  • High school diploma and 4 + years experience in underwriting property and credit. Degree preferred
  • Remote experience preferred, with ability to prioritize workload effectively
  • Ability to work independently, high level of responsiveness required
8

Trade Credit Underwriter Resume Examples & Samples

  • This role will be involved in credit analysis and preparing of credit proposal from major buyers' financial statements
  • Collect market intelligence, update marketing materials, and visit the client with producers when necessary
  • Coordinate marketing activities, develop and execute the marketing plan with certain channels
  • Identify and develop closely with distribution channel including but not limited to direct sales, agents, brokers, bank-assurance, trade association and alternative channels, drives sales and monitors the results for profitable business
  • Have a strong relationship with clients and intermediaries and other counter parties
9

Senior Commercial Credit Underwriter Resume Examples & Samples

  • Prepares an independent, in-depth analysis of financial statements, projections and business plans; proactively identifies and mitigates key risks
  • Prepares credit approval packages on new loan requests, renewals and extensions
  • Completes timely ongoing periodic credit servicing of loans within the portfolio including analyzing historical financial performance, performance vs. projections, covenant compliance, risk rating and any other significant risk drivers
  • Actively participates in research, preparation and execution of customer calls
10

Credit Underwriter Healthcare Banking Resume Examples & Samples

  • Assists in analyzing individual company performance and the impact of industry and competitive dynamics and macroeconomic events on the creditworthiness of clients and prospects
  • Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions
  • Maintains credit files in good working order; ensures files are complete with all up to date information
  • Assists Relationship Manager in research and preparation for customer calls
  • Ensures compliance with internal bank commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants
  • Expectation of completion of Risk Management Association certification within the first twelve months
  • Excellent analytical and quantitative skills
11

Commercial Credit Underwriter Resume Examples & Samples

  • Completes timely ongoing periodic credit servicing of loans within the portfolio, including analyzing financial performance, performance vs. projections, covenant compliance, risk rating and any other significant risk drivers
  • Develops a strong working knowledge of the commercial loan policy and the credit risk management policy
  • Participates in post-closing inspection as part of a continuous monitoring credit risk management framework
  • Bachelors degree and 1-3 years of investment banking or commercial banking experience
  • Strong accounting and finance skills
12

Credit Underwriter Resume Examples & Samples

  • Underwriting experience is a must
  • Proficiency with Fannie, Freddie, HUD, and CitiMortgage Guidelines
  • Also must be proficient with RESPA / TIL and other regulatory procedures and practices
  • Comprehensive knowledge of processing, closing, mortgage origination guidelines, and familiarity with all documents involved in a closed loan
  • Experience or knowledge working with pricing and CMI systems, including LRS, is a plus
  • High level of understanding of the mortgage business so that the escalated issues can be resolved without direction from management. Many of these issue require extensive research and a full knowledge of CMI's operations process from start to finish
  • Advanced level of industry knowledge - Processing, Closing, and Underwriting
  • Three + years experience in the mortgage industry
  • Must demonstrate good listening, analytical, and problem solving skills
  • Must come across as knowledgeable and confident
  • Verbal and written communication skills must be very polished
13

Commercial Cards Credit Underwriter Resume Examples & Samples

  • Required to access and interpret Credit Bureau records and also to complete other Customer Identification checks in accordance with business and legal requirements including public record checks and to verify information supplied by applicants including, from time to time, confirmation of details via accountants and other external professionals
  • Have an in-depth understanding of, and detailed knowledge and familiarity with the Rainbow Applications System
  • Work closely with other New Applications colleagues and with other internal customers and ensure all customer expectations are understood and met
  • The Credit Officer will also be expected to undertake 'on the job' training in cross-functional duties within the New Applications Team and will assist in conducting such 'on the job' training for other colleagues from time to time as appropriate
  • Strong organisational skills and demonstrated commitment to meeting deadlines
  • Flexibility and the ability to adapt to change
  • Sound credit judgement and experience in assessment of personal and commercial credit applications and a strong eye for and attention to detail
  • Proven decision-making ability
  • Professional telephone manner and a commitment to excellence in customer service
  • Ability to interpret Veda and ASIC reports (and other public record information)
  • Ability to achieve operational efficiency and quality standards
  • Ability to learn new tasks quickly
  • Previous experience in working in a goal oriented environment
  • Strong computer and keyboard skills
  • Sound knowledge of the requirements of the credit provider
14

Corporate Credit Underwriter Resume Examples & Samples

  • Minimum of 8 years of Large Corporate or Large Middle Market credit risk underwriting experience within a corporate or commercial banking environment
  • Analytical orientation, critical thinking skills and autonomous decision making ability
  • Undergraduate degree in Finance or Accounting; MBA is a positive but is not required
  • Proficiency in Spanish is required
15

Junior Corporate Credit Underwriter Resume Examples & Samples

  • Recent undergraduate degree with a focus in Finance or Accounting
  • Credit related work experience or internship experience preferred
  • In depth knowledge of accounting and experience with financial statement analysis
  • Analytical orientation and critical thinking skills
  • Strong communication and business writing skills
  • Spanish language skills preferred
16

Specialized Commercial Credit Underwriter Resume Examples & Samples

  • Assists in preparing an independent, in-depth analysis of financial statements, projections and business plans; helps to identify and mitigate key risks
  • Determines the appropriate risk rating for a company; identifies risk factors that could change the risk rating
  • Models appropriate loan structures in the profitability model
  • Prepares credit approval packages on straightforward renewals and extensions
  • Advanced User of Excel, PowerPoint and Word
17

SME Credit Underwriter Resume Examples & Samples

  • Approves loans within the prescribed limits of individual lending authority. Serves as contact officer on loans that exceeds individual lending authority
  • Maintains excellent relationship and customer service with all agents, selling banks/financial institutions, borrowers and co-workers
  • Understands and promotes bank philosophies, personnel, products, services, programs, campaigns and goals to staff and public
  • Bachelor’s degree in finance
  • Three + years in banking in commercial and/or SBA loan analysis and in underwriting business loans
  • Strong understanding of small business and owner-occupied commercial and real estate lending as it pertains to underwriting and loan structuring
  • Ability to work independently, organize and coordinate multiple tasks, and follow through to completion
18

Commercial Credit Underwriter Resume Examples & Samples

  • May participate in customer and prospect calls with the CRM, outside calling and other marketing efforts
  • Good written and verbal communication
  • 1-2 years commercial credit analysis experience or the equivalent
  • Previous relevant credit analysis or underwriting experience or the equivalent
  • Working knowledge of credit policies, procedures, practices and documentation
19

Credit Underwriter Resume Examples & Samples

  • Correct decisioning of applications within delegated authority (DA)
  • Make recommendations where applicable to higher delegated authorities (DA)
  • Discuss and clarify decisions with stakeholders and resolve accordingly in line with GE policy & procedure
  • Adherence to Policy
  • Adherence to GE policy & procedure and relevant legislation
  • Other reasonable/developmental tasks as directed
  • Tertiary Financial/Accounting/Business qualification preferred
  • Minimum 12 months customer service experience
  • Preferred loan underwriting experience
  • Experience in GE branch network (preferred but not essential)
  • Preferred understanding of the Financial Services Industry and associated finance products
  • Preferred understanding of the National Consumer Credit Protection (NCCP) Act and associated legislation
  • Computer literate
  • Sound written and verbal communication skills
20

Senior Credit Underwriter Resume Examples & Samples

  • Assess and make credit decisions on closed-end and revolving product applications including secured and unsecured loans and Credit Cards
  • Review District Manager/Relationship Manager referrals on resubmitted loan applications where required
  • Monitor and control workflow through proactively identifying potential service needs
  • Proactively flex across underwriting teams as per workflow requirements
  • Identify resourcing requirements and liaise with Underwriting Manager to determine flexing of resources to support
  • Coaching of new and existing staff to ensure best practice is shared
  • Build strong relationships with stakeholders by providing service within determined SLA’s and a positive customer experience
  • Handle and own escalations from stakeholders and resolve accordingly in line with GE policy & procedure
  • Promote a positive work environment
  • Year 12 completion
  • Preferred 3 years consumer loan underwriting experience
  • Financial Services legislative knowledge
  • Strong decision making skills
  • Quality orientation / Attention to detail
  • Influencing
  • Negotiating
  • Judgement / Problem solving
  • Customer service / Relationship building
  • Adaptability
21

Credit Underwriter Resume Examples & Samples

  • Underwriting focus on new money to new/existing borrowers
  • Work in cooperation with Relationship Managers with initial deal review, modeling, structuring and deal pre-clearance
  • Order, obtain and ascertain due diligence information as required
  • Utilize and analyze all available resources to prepare the credit approval document
  • Coordinate with the RM and Credit to obtain the proper credit approval
  • Assist the RM/Senior Underwriter to engage/manage legal counsel and negotiate legal documentation
  • Assist in the completion and manage the closing, funding, and booking process
  • Complete the underwriting process for deal amendments and restructurings
  • College degree in accounting, finance, or economics required, CFA designation a plus
  • Total work experience of 3+ years including 1 to 2 years of underwriting or credit
  • Must be proficient in basic software applications such as Microsoft Word, Excel, Outlook, and Internet Explorer
  • Must be attentive to detail and possess excellent verbal and written communication skills
  • Must be highly organized and able to manage several detailed tasks and processes concurrently
22

Credit Underwriter Asset Finance Resume Examples & Samples

  • Completing financial analysis on larger credits/structured finance deals. This includes spreading annual returns & accounts so the customer can be rated, completing financial analysis narrative and providing recommendations
  • Assisting with preparation, completion and presentation of larger applications for approval at local level and at various credit committees
  • Subject to training and approval the successful candidate would be awarded an underwriting discretion for small / medium sized applications and would provide support in this area also
  • As this is a small team all members are expected to be versatile and this would include assisting from time to time with collections work, compliance & basil reporting or any other duties that may arise from time to time
  • Business related third level or masters qualification
  • Strong financial analysis skills
  • Good written and oral communication skills
  • Good understanding of financial accounts and how they relate to business generally
  • Candidates must be very numerate and have good problem solving skills
  • IT literate with a good knowledge of Microsoft Excel / Microsoft Access and Outlook
  • Good understanding and experience working in the asset finance business would be an
23

Commercial Credit Underwriter Resume Examples & Samples

  • Understand and can articulate all BB&T Commercial Credit policies, procedures and processes. Recommend credit within the Bank’s risk appetite including documenting when and why to make exceptions. Also recommend ongoing servicing including covenants. May require specialized underwriting skills for Commercial & Industrial, Commercial Real Estate, Corporate Banking, Working Capital and other BB&T product offerings
  • Drive the new and renewal credit process by participating in the CSU meetings, working opportunities through the pipeline, facilitating communication, completing the underwriting, driving closing process through appropriate transition to the appropriate associates within the CSU and Commercial Fulfilment
  • Support Relationship Managers, Market Presidents and Regional Presidents in administration of business portfolio of Region in order to achieve desired results of quality, profitability and growth. Recommend pricing when underwriting credits. Specifically look for opportunities to drive a relationship approach when underwriting new business and looking for IRM opportunities
  • Eight years of experience in banking industry or related work experience, consistency mostly of underwriting or co-approval experience
  • Demonstrated proficiency in commercial lending systems
24

Commercial Credit Underwriter Team Leader Resume Examples & Samples

  • Develop credit underwriting effectiveness and continuous improvements of assigned commercial lending staff through credit leadership, including coaching and counseling, feedback and reinforcement, and support of the Bank’s sales and credit cultures
  • Responsibilities will include formally reviewing and documenting the quality of the decisions as part of an established credit quality assurance program. Team Leaders will be responsible for sampling the work performed by the individuals they manage to ensure accuracy of information and compliance with policies and processes
  • Evaluate and make recommendations for assigned personnel regarding employment, training (initial and ongoing), performance rating, salary changes, promotions, transfers, terminations, career enhancement and staffing
  • Delegate work, set schedules, level load, and advise underwriters in the more complex phases of their work
  • Provide leadership to reinforce and strengthen the BB&T Values Driven Credit Culture. Interpret and ensure communications of the Bank’s policies, programs, and objectives
  • Facilitate timely receipt of current and adequate financial statements of all types, tax returns, and personal financial statements. Analyze financial statements and document client performance along with identified risk and risk mitigants
  • Manage data integrity of credit variables to include the accuracy of risk rating calculations and input in the system. Participate in CCAR activities as needed
  • Support consistent, effective communication with Client Service Unit (includes Relationship Managers and Commercial Sales Assistants) to provide superior risk management, client service and revenue generation
  • Ten years of experience in banking industry or related work experience, consistency mostly of underwriting or co-approval experience
  • Demonstrated ability to provide group leadership to a team of five or less underwriters
  • Demonstrated ability to handle multiple priorities under time constraints
  • Strong credit leadership skills
  • Excellent verbal and written communication skills
  • Successful completion of a formalized credit program
  • Master’s degree in Finance, Accounting, Economics or Business
  • Strong knowledge of Bank’s deposit and payments products
25

Commercial Credit Underwriter Resume Examples & Samples

  • Preparing thorough and accurate periodic risk rating assessments
  • Conducting timely covenant compliance review and analysis to include managing, approvals, waivers and default letters
  • Monitoring timely receipt of current and adequate financial statements and ensuring accuracy of financial statement monitoring system
  • Completing special reporting or assessments as needed
  • Facilitate consistent and effective communication within the CSU (includes RM, Commercial Sales Assistant (CSA), CCU and CCS) to drive superior revenue generation, responsiveness, and risk management through process management. Coordinate weekly CSU meetings to discuss new loan requests, renewals, current and adequate financial statement collection, risk rating assessments, past dues, pipeline and call preparation
  • Connect with CSU on credit offers accepted by the client to assist in an effective closing process. Drive accurate ordering of real estate valuations, environmental assessments, UCC searches, etc. Act as liaison with Centralized Fulfillment and CSA. Review loan agreements as needed. Ensure loans are booked as approved
  • Demonstrate clear understanding of major technical aspects of credit risk management via detailed knowledge of systems, processes, and policies that apply to commercial lending
  • Manage data integrity of all data inputs and outputs. Review and update loan systems information to ensure accuracy
  • Support Relationship Managers, Market Presidents and Regional Presidents in credit administration of commercial portfolio of the Region in order to achieve desired results of quality, profitability and growth
  • Ensure commercial banking relationships are fully developed
  • Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, risk management and banking in general
  • Bachelor’s degree in Finance, Accounting or Business, or equivalent education and related training
  • Five years of experience in banking industry or related work experience
  • Knowledge of Bank’s deposit and payments products
26

Gwim Credit Underwriter Resume Examples & Samples

  • College degree or commensurate work experience required
  • 2+ years of commercial credit experience
  • Strong verbal and written communication skills. Proficiency in Word, Excel and PowerPoint
  • Highly prefer a candidate who is commercially credit trained
27

Gwim Senior Credit Underwriter Resume Examples & Samples

  • Bachelor’s degree in business administration, finance, accounting or economics preferred
  • Strong financial analysis, accounting and credit skills
  • 5 + years of commercial credit experience
  • Clear and concise communication skills. Proficiency in Word, Excel and PowerPoint
28

Credit Underwriter Resume Examples & Samples

  • To review, process & underwrite retail Personal loan application within prescribed TAT
  • Coordination and working with various departments of the business and the bank
  • To review the personal Loan portfolio on a regular basis & support collections on specific loans
  • Responsible for keeping file processing cost under control and within the budgeted levels
  • To do Account Fulfillment and service to bank customers
  • Other Aspects also include
  • To coordinate and work very closely with vendor for effective cost and compliance management
  • To train the Sales and CPA resources on various product and processes
  • Maintenance of compliance and Information security norms
  • Candidate should have good financial knowledge
  • Should be able to handle multi tasking and good communicator
29

Senior Commercial Credit Underwriter Resume Examples & Samples

  • Works with Portfolio Managers to facilitate the growth of client relationships by structuring financial solutions that meet the client’s needs and the Bank’s risk acceptance criteria
  • Works with Portfolio Managers in preparing an independent, in-depth analysis of financial statements, projections and business plans; proactively identifies and mitigates key risks
  • Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information
  • Prepares credit approval packages on straightforward renewals and extensions and completes timely credit servicing of loans including determination of the appropriate risk rating for a company as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers
  • Actively participates in research, preparation and execution of customer and prospect calls
  • Develops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements ;documents any exceptions to policy and related rationale/mitigants
  • Excel, PowerPoint and Word
30

Senior Credit Underwriter Resume Examples & Samples

  • Assess credit risk using credit and internal reports and financial statements
  • Assess collateral risk utilizing information produced both internally and externally
  • Collaborate with our Sales Department in reaching mutually-acceptable terms and conditions on loan and lease transactions
  • Provide ongoing evaluation and tracking of portfolio quality through annual reviews of large client exposures
  • Prepare written loan applications that will be utilized by senior members to make sound credit decisions
  • Utilize own credit authority to independently make sound and prompt decisions on transactions
  • Monitor the credit risk profile of assigned portfolio in order to stay in control and BU the opportunity for corrective actions
  • Ensure compliance with internal and regulatory risk management guidelines
  • Provide support to the Director of Credit, Retail Credit Manager and the local credit committee
  • Communicate effectively with other members of the team, clients and our vendor partner
31

Credit Underwriter Program Resume Examples & Samples

  • BA/BS degree with minimum 3.2 GPA (Competitive applications with a minimum GPA of 3.0 may be considered)
  • Must have graduated within the last 3 years or have 1-2 years experience in a reporting or analytical field
  • While all majors will be considered, business-related majors are preferred
  • Ability to work well independently and with others in a fast-paced, team-oriented environment
  • Ability to synthesize information and reach logical conclusions
  • Sound judgment
  • Desire to make a difference in customers’ lives
  • Permanent U.S. work authorization is required
32

Credit Underwriter Resume Examples & Samples

  • Review and analyze loan applications, credit reports, appraisals, income, and asset documentation according to agency and non-agency guidelines and mortgage regulations
  • Effectively communicate and explain credit decisions to loan officers and processors
  • Perform timely reviews of conditions submitted as well as loan resubmissions
  • Maintain credit quality and production standards as defined by business
  • Provide a remarkable customer service experience to both internal staff and external customers
  • Actively cooperate and interact with all entities of Citigroup
  • Perform other job-related duties and special projects as required
  • Excellent communication, analytical, decision-making, and computer skills required
  • High school diploma, Bachelor’s degree preferred
  • A minimum of 4-6 years of experience underwriting agency, non-agency, Mortgage Insurance loans and appraisals
  • Experience and knowledge of FNMA, FHLMC, and Private Mortgage insurance property and credit underwriting guidelines
  • Strong understanding of complicated transactions and tax return analysis
  • Experience effectively and independently making credit decisions and providing underwriting support to other business functions
  • Knowledge and experience reviewing mortgage applications according to the US mortgage regulations
33

Complex Credit Underwriter Resume Examples & Samples

  • Five to seven years of experience in credit analysis
  • Thorough knowledge of credit administration, policy and procedures
  • Thorough knowledge of economics, accounting, and finance
34

Commercial Credit Underwriter Resume Examples & Samples

  • Analyzes applicant’s information (financial data, collateral information, references, etc.) to determine feasibility of granting credit
  • Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant’s evaluation from loan officer and corresponds with loan officer, applicant, accountant or creditors to resolve questions regarding application information
  • Coordinates with loan officer to provide input into the negotiation of loan structure with applicant, including loan fees, loan repayment options and other such credit terms
  • Prepares credit presentation identifying the borrower; providing description of business; specifying credit limits; structure of credit facility; collateral, financial, cash flow and guarantor analysis
  • Approves / denies credits within approval limits; recommends same to management for credits outside of approval limit
  • Works with loan officer to determine the customer information needed to underwrite a renewal
  • Cooperates and assists in any review of the loan portfolio
  • “LIVE” the Bank’s Mission Statement and “PRACTICE” the Bank’s Corporate Strategy
  • Other duties may be assigned
  • 04
35

Commercial Credit Underwriter Resume Examples & Samples

  • Assists the Debt Products Manager with review of loan documents pre-closing, or independently, if needed
  • Reviews closing due diligence in collaboration of Debt Products Manager or, independently, if required
  • Participates in research, preparation and execution of customer and prospect calls
  • Participates in identifying financial solutions that meet the client’s needs and the Bank’s risk acceptance criteria
  • Develops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants
  • Demonstrates very strong verbal and written communication skills
  • Well organized, detail-oriented, and is able to manage and/or lead multiple projects under pressure
  • Demonstrates very strong analytical and problem solving skills
  • Recognized for quality of analysis and competency in completion and oversight of client portfolio management activities
  • Displays ability to identify and voice issues; self-initiates discussion
36

Anticipated Mortgage Banking Credit Underwriter Training Program Start Feb Resume Examples & Samples

  • College degree desired; within the last two years preferred
  • Excellent quantitative and qualitative analytical skills
  • A high degree of motivation and initiative
37

Credit Underwriter Resume Examples & Samples

  • Review accounts to determine eligibility and/or assess risk
  • Provide final review of applications recommended for approval by representatives with lesser experience
  • Provide feedback on credit decisions
  • Respond to customers via phone and/or written communications
  • Comprehend, determine and direct the specific verification and/or investigative procedures to be used in the processing of a customer’s information
  • Negotiate directly with customer and/or third parties to ensure both customer and business requirements are met
  • Analyze and interpret financial documents
  • Regularly resolve highly complex customer situations
38

Credit Underwriter Resume Examples & Samples

  • Manage the pipeline of credit requests in an efficient manner in order to adhere to the agreed turn around times
  • Supervise and manage the activity of the other credit analysts; ensure adequate workloads, support and career development opportunities
  • Review and sanction credit requests (both unsecured, as well as leverage and margin lending)
  • Review and sanction collateral amendments to ensure adherence to credit policies and procedures
  • Assist the sales teams in developing the best suited propositions four our customers
  • Maintain a good and efficient working relationship with our business partners in credit operations, product management, sales and customer service, supervision, etc
  • Prepare and monitor the necessary reporting on credit initiation (daily, monthly, annual etc.)
  • Maintain the credit archive
39

Commercial Credit Underwriter Resume Examples & Samples

  • BA/BS from a 4yr accredited university required (Accounting, Business Administration, or Finance major is preferred)
  • 5+ yrs experience in Treasury Operations, with significant strength in Federal Reserve Bank (FedLine) operations
  • ACH Processing Experience; AAP certification preferred
  • Expertise in FedLine Advantage and FedLine Direct
  • Experience with a variety of FedLine services
  • Strong analytic and MS Excel skills
  • Familiarity with enterprise payment systems is preferred
  • Project experience
  • Ability to interact with a diverse group of customers, both internal and external
  • Ability to prioritize workload to meet deadlines and handle pressure
  • Demonstrated team player and leader
  • Exhibit a strong work ethic and high degree of self-motivation
40

Credit Underwriter Resume Examples & Samples

  • Utilize appropriate software applications to analyze, evaluate and report merchant financial status and other relevant information
  • Evaluate credit package to determine that all necessary documentation is in accordance with established credit policy
  • Communicate with merchants and sales representatives to gain a clear understanding as to how the merchant operates its business
  • Interpret credit package, scoring model and exercise judgment to approve or recommend approval or rejection
  • Underwrites merchant application ensuring compliance with company standards
  • Knowledge of how to interpret credit reports, tax documents and financial reports
  • Possess analytical and decision-making skills
  • Troubleshoots and resolves credit issues including answering questions and addressing concerns
  • Able to identify misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the merchant documentation
  • At least two years' experience making sound credit decisions with a financial institution (i.e. card processing company, bank, mortgage company). This experience ideally is in an underwriting capacity
  • Experience interpreting business financial statements, D&B credit reports, and other forms of credit/financial information
  • Solid knowledge of credit underwriting and credit analysis procedures and techniques
  • Confidence to make credit decisions, ability to defend reasoning for said decisions, capability of analyzing data, and flexibility to work in a fast-paced and high volume environment
  • Excellent verbal and written communication skills, strong interpersonal skills requiring sensitivity and discretion, and strong attention to detail
41

Credit Underwriter Resume Examples & Samples

  • Ability to prepare credit proposals for new, renewals and amendments of credit facilities
  • Ability to understand operating companies' financial statements, spread the financial information, analyze the data, and be able to write a synopsis of the client's financial condition and submit for approval
  • Knowledge of legal documentation involved and collateral supporting the credit facilities
42

Commercial Credit Underwriter Resume Examples & Samples

  • Prepares concise written reports to facilitate lending decisions on new, renewal, and extension loans and other bank facilities, for middle market borrowers with loan requests in the $5MM to $20MM range. Reports include a recommended credit rating, summary of facts, identification of key borrower and industry risks and mitigating factors, as well as a complete and accurate statement of the bank’s borrowing relationship. 35%
  • Works closely with loan officers in evaluating more complex credit requests and preparing term sheets, which may include accompanying them to visit customers, prospects, and collateral sites. 15%
  • Obtains and reviews pertinent management, industry, financial and collateral information from the credit file or outside sources. Determines additional information/investigation needs and contacts appropriate sources to ensure a complete analysis. 15%
  • Acts as resource to less experienced credit staff. 10%
  • Assumes additional responsibilities and duties as necessary to ensure department objectives are met. 5%
  • 3+ years credit analysis experience in the banking industry, on moderate to complex transactions for both middle market C&I,asset based and CRE lending
43

Commercial Credit Underwriter Intern Resume Examples & Samples

  • Prepares concise written reports to facilitate lending decisions on new, renewal, and extension loans and other bank facilities, for middle market borrowers. Reports include a recommended credit rating, summary of facts, identification of key borrower and industry risks and mitigating factors, as well as a complete and accurate statement of the bank’s borrowing relationship
  • Analyzes and spreads financial statements and tax returns to assess the financial condition of existing and new borrowers and their financial viability. Assesses the adequacy of collateral. Analyzes and assesses trends, ratios, and cash flow
  • Obtains and reviews pertinent management, industry, financial and collateral information from the credit file or outside sources. Determines additional information/investigation needs and contacts appropriate sources to ensure a complete analysis
  • Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties
  • Applicable coursework in degree field
  • Previous internships helpful but not required
  • Knowledge of both financial and managerial accounting
  • Strong written/verbal communication skills
44

Gwim Credit Underwriter Resume Examples & Samples

  • Bachelor's degree in business administration, finance, accounting or economics is preferred
  • 2+ years of commercial credit experience Credit Underwriter
  • Clear and concise communication skills
  • Strong interpersonal skills and the ability to build business partnerships with risk, services and client teams who may not be co-located
45

Corporate Credit Underwriter Resume Examples & Samples

  • 3+ years of Credit Risk Underwriting experience within a Corporate or Commercial Banking environment
  • Undergraduate Degree in Finance or Accounting
  • In depth knowledge of Accounting
  • Experience with Financial Statement Analysis
  • Solid analytical and critical thinking skills
  • Bilingual (English and Spanish)
46

Credit Underwriter / Portfolio Manager Resume Examples & Samples

  • All requests from all Regional Offices are administered through the Toronto or Vancouver office. This position must evaluate various types of real estate in all parts of the country
  • The position works with local and regional Relationship Managers and senior management in discussing underwriting assumptions, market data and valuation estimates
  • The role holder will operate within the Bank’s risk and operational guidelines and is responsible for ensuring that organizational standards are maintained and that the Banks policies and procedures are adhered in order to mitigate risk
  • Bachelors degree in Business, Real Estate, Finance, Accounting, related field or equivalent experience
  • 2 to 3+ years’ experience working for a Commercial Real Estate Lender or institutional CRE investor
  • Can demonstrate knowledge and ability today to spread financial statements
  • Is currently working at a financial institution as a financial analyst or portfolio manager
  • Has exposure or experience in writing up a credit application for submission
  • Completed Commercial Banking Graduate Trainee program if there is no prior commercial real estate banking experience
  • Minimum of 5 years proven and progressive commercial real estate and multi-family underwriting experience in major national markets or equivalent. Bachelors degree in Business, Real Estate, Finance, related field or equivalent experience
  • Current knowledge of the local and national real estate industry
  • Strong communications, analytical, planning, organizational, financial, credit analysis and decision-making skills
  • Strong understanding of all commercial banking products & services, credit assessment processes, approvals, etc
  • Strong working knowledge of complex transactions and credit structures
  • Good commercial lending, risk assessment experience
  • Excellent level of business acumen and commercial awareness, including economic, cultural, procedural and regulatory issues
  • Excellent range of communication skills, including written, verbal, and the ability to deliver compelling presentations
  • Bachelor’s Degree in Finance/Professional accounting qualification
  • Knowledge of group systems, including CARM, ClientVision, HORIS, Global Links and Deal Point
  • Knowledge of CMB policies and procedures as per CMB FIM
47

Credit Underwriter Resume Examples & Samples

  • Manage the review process for the Energy portfolio, including preparation of in-depth credit analysis of existing borrowers, and underwriting new and complex existing credit requests for prospects and customers
  • Assist team in scheduling underwriting assignments, mentoring junior-leveled Underwriters, and managing underwriting efficiencies
  • Assist team in preparing portfolio and regulatory reports and leading group projects for Executive, Credit and Underwriting teams
  • Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policies and procedures, and business strategies as well as regulatory guidelines
  • BBA in Accounting or Finance, or related degree
  • Strong analytical skills, including the ability to read and assess individual and company financial statements, reserve reports, drilling schedules and engineering reports
  • Ability to develop mentorships and promote team orientation
48

Credit Underwriter Resume Examples & Samples

  • Work with Relationship Managers and Credit Officers to assess credit opportunities, identify key risks and structure alternatives
  • Prepare in-depth credit packages
  • Spread financial statements
  • Conduct research on borrowers and industries
  • Make decisions based on the best interest of the customer and bank
  • Minimum 4 years underwriting experience in a commercial bank with a focus on C&I deals in the $1 million to $20 million plus range
  • Experience with syndicated transactions preferred
  • Superior verbal and written communication skills
49

Senior Credit Underwriter Resume Examples & Samples

  • Participate in the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers
  • Co-manage customer relationships by collecting and analyzing required credit, financial, and engineering data to determine the merits of specific loan requests, and recommend structure
  • Monitor covenant compliance and reporting
  • Minimum 3-5 years underwriting experience in a commercial bank; prior energy underwriting experience preferred
  • BBA in accounting or finance
  • Demonstrated knowledge of intermediate accounting and its practical application in the credit underwriting process
  • Ability to develop and maintain internal and external relationships
  • Superior verbal and written communication and presentation skills
  • Strong attention to detail, time management, and organizational abilities
  • Must be able to work in a fast-paced environment and execute multiple tasks successfully
50

Credit Underwriter Resume Examples & Samples

  • Assist Business Development Officers in collection of information needed to determine eligibility and appropriate loan structure
  • Completion of in depth credit analysis and formal credit approval
  • Facilitate and coordinate the assembly of the SBA Loan Origination Package Work with the SBA Loan Department to facilitate the closing of loan requests and handle credit-related issues as needed confirming appropriate approvals have been obtained
  • Provide credit and SBA processing support as needed to evaluate and decision borrower servicing requests, loan modifications, and any payment performance issues, etc
  • Monitor and manage the loan portfolio so as to minimize risk to the bank
  • Perform annual reviews on existing SBA portfolio
  • Assist in preparation for SBA Audits
  • Maintain expertise in government guaranty loan programs including changes to relevant SBA Standard Operating Procedures
  • Attend training as needed
  • Undergraduate degree in Business, Finance, Accounting or a related field preferred
  • Strong working knowledge of credit underwriting with formal bank credit training preferred
  • A minimum of 3 years direct experience in SBA credit underwriting preferred
  • Prior experience underwriting both 7a and 504 loan programs is preferred
  • Strong working knowledge of the SBA’s Standard Operating Procedures as it relates to eligibility, structuring and originating SBA loans
  • Real estate, construction, and cash flow underwriting experience desired
  • Ability to excel in a team environment, manage multiple tasks concurrently and prioritize
  • Excellent analytical, written and verbal skills
51

Consumer Credit Underwriter Resume Examples & Samples

  • Understands and applies all consumer underwriting guidelines and compliance regulations
  • Reviews and analyzes consumer loan applications received for proper compliance documentation (joint intent to apply, HELOC Disclosure Acknowledgment) prior to underwriting an application
  • Underwrites applications within consumer underwriting guidelines and requests and reviews any additional information needed to complete loan process. Approves or declines consumer loan requests within credit limit authority
  • Requests required income documentation and analyzes complex financial documentation according to consumer procedures set forth to determine ability to repay
  • Prepares and mails all risk based pricing disclosures as well as HUD Disclosures as needed
  • Clearly understand current consumer flood zone guidelines and regulations and ensures applications follow the guidelines set forth
  • Reviews and Analyzes incoming collateral reports (i.e. title reports, appraisal reports), ensures ECOA compliance regulations are met for all applications in 1st deed of trust position
  • Maintains an accurate daily production report and comprehends consumer internal audit reports. Meets consumer production, quality and service standards
  • Provides assistance and exceptional sales support to consumer lending specialist and branch personal answering questions relating to consumer loans and process
  • Assures loan request is processed accurately and within time frame set forth my compliance regulations. Coordinates appraisers, title companies and flood certifications for equity based products
  • Maintains a current understanding of underwriting guidelines, procedures, policies and compliance issues
  • Process title and appraisal invoices to ensure timely processing
  • Provides coverage in any area needed in the absence of a team member
  • Performs other work-related duties as assigned by supervisor or manager
  • Understand and underwrites applications submitted by HELOC Retention Specialist for maturing HELOCS according to guidelines set forth
  • Knowledge of Bank appraisal policies and procedures
  • Ensures compliance as it pertains to the origination and processing of consumer loans with all applicable regulatory requirements including but not limited to; SAFE Act, Equal Credit Opportunity Act (Reg B), Truth In Lending (Reg Z), Bank Secrecy Act (BSA), Fair Lending, OFAC compliance, Identity Theft Red Flags, privacy-GLBA and Non-public Personal Information (NPPI) regulations, Unfair Deceptive or Abusive Act or Practices (UDAAP)
  • Established analytical ability to underwrite all types of consumer based loan products
  • Ability to underwrite federal and state tax returns and financial statements in order to make sound credit decisions
  • Ability to utilize personal computers and Windows driven programs
  • Ability to complete a high volume of work with accuracy
52

Credit Underwriter Resume Examples & Samples

  • Prepares a full credit package for loan requests which required more advanced underwriting skills such as new customer relationships, large exposure relationships, criticized loans and loans characterized as being more complex in nature
  • Works independently and completes underwriting packages within required time frames with minimal edits required
  • Prepares high quality credit analysis which meet underwriting standards
  • Assists and/or completes large exposure global reviews in conjunction with the Senior Credit Underwriter and/or Team Leader
  • Serves as mentor to junior credit underwriters on the team
  • Conducts a credit analysis identifying key credit issues and providing mitigation of same
  • Spreads business financial statements using the Baker Hill/One Point system
  • Analyzes a company's operating performance and financial condition to understand business trends and to identify credit risks
  • Conducts cash flow analysis (business, personal and global) to evaluate the borrower's loan repayment ability
  • Spreads and analyzes personal financial statements to evaluate personal liquidity, personal debt levels and contingencies
  • Assesses the bank's collateral coverage by reviewing of accounts receivable, accounts payable and inventory aging reports
  • Performs industry/market analysis to identify industry trends and risks
  • Prepares loan offering and related forms for the credit package
  • Identifies policy exceptions and incorporates suitable mitigants into the credit package
  • Proactively communicates with Loan Officers and Senior Credit Underwriter/Team Leader during the underwriting process
  • Participates in client meetings/conference calls
  • Knowledge of commercial credit and fine credit quality skills including accounting, financial statement analysis and cash flow analysis experience
  • Strong analytical abilities and problem solving skills
  • Excellent communication skills: express ideas and convey technical information in writing and verbally
  • Proficient in Microsoft Word and Excel and performing internet searches
  • Ability to work in a fast paced environment and move quickly through assignments to ensure deadlines are met
  • Ability to work effectively with individuals and groups to manage internal and external customer relationships
  • Thorough understanding of risk and consequences of errors in formulating decisions and providing direction to others
  • High School Diploma or GED and a minimum of two years of experience in underwriting commercial loan and/or commercial real estate transactions, or one year of VNB credit underwriting experience combined with the completion of formal credit training (VNB's Credit Underwriting Training Program or equivalent)
  • Bachelors Degree with a minimum of three years experience in underwriting commercial loan and/or commercial real estate transactions, or one year of VNB credit underwriting experience combined with the completion of formal credit training (VNB's Credit Underwriting Training Program or equivalent) preferred
53

Credit Underwriter Resume Examples & Samples

  • Underwrite indirect and direct consumer loans, build/maintain relationships with dealers and branches, and interface with all consumer loan related departments
  • Maintain credit policy standards, perform general supervision of work flow and participate in team effort to achieve departmental/company goals
  • Process instant credit loans, assist Dealer Support Group and Credit Investigations; handle inquiries from funding, collections, customer service and branches; have periodic visits/functions with Sales Reps
  • Good verbal and written communication skills. Ability to interact with dealer finance managers, branch personnel and other Bank departments
  • Ability to solve practical problems and interpret a variety of instructions furnished in written, oral diagram or schedule form
  • Ability to prioritize and multi-task when called upon
  • Intermediate PC skills with knowledge of email and MS Office
  • High School Diploma or GED and a minimum of two (2) years consumer credit/auto loan experience
  • Bachelors Degree in a related field preferred
54

Credit Underwriter Resume Examples & Samples

  • Flexibility
  • Confidentiality
  • Attention to Detail and Accuracy
  • Initiative
  • Reliability
  • Communication Skills - Verbal & Written
  • Organizing and Planning
  • Prioritizing
  • Judgment
  • Highly proficient in MS Office
  • Bachelor's degree in business, finance or related area
  • 3-5 years of underwriting experience
  • Knowledge of all federal and state regulations regarding lending practices
  • Excellent analytical and mathematical skills
55

Credit Underwriter Support Resume Examples & Samples

  • Financial acumen
  • Credit expertise desirable, but related experience also considered
  • Good commercial awareness and have an ability to interpret and understand different business scenarios
  • Ability to make consistent quality decisions within tight timeframes
  • Display evidence of high standards of professionalism and an understanding of the need to comply with governance, regulation, policy and standards
  • Be solution focused with strong interpersonal skills
  • Focus on teamwork as part of a diverse team and to deliver high quality outputs
56

Risk Credit Underwriter Resume Examples & Samples

  • Assess completeness and topicality of client information as a basis for credit and risk analysis and decisions
  • Analyze risk of customer/end-user, local vendor or local dealer as thorough basis for decision making on local vendor/dealer agreements and end-user credit applications
  • Check credit and vendor lines and follow up validity of credit limits in risk committee
  • Re-rate annually end-users, local vendors and local dealers on risk rating
  • Take independent, quick and efficient decisions on credit applications within authorization level leading to approval as presented, conditional approval, further gathering of information or rejection
  • Liaise with sales on further actions
  • Advise risk committees on decision-making, prepare and support risk committee in a secretary role, voting member in risk committee and screen risk committee decisions on local impact and take actions accordingly
  • Monitor the credit/risk profile of DLL and advise in order to stay in control and give DLL the opportunity for corrective actions
  • Contribute to the fine-tuning and tailoring of credit and risk policies and regulations
  • Develop local credit and risk management policies/guidelines in order to ensure a proper fit with local regulations and requirements
  • Monitor sales on given mandates and coordinate with sales in order to achieve alignment in credit and risk processes
  • Higher vocational or university degree
  • At least 3 years experience in the field of credit analysis, underwriting and risk management or in the case of university degree some relevant experience
  • Knowledge of vendor programs, score card techniques, OLCS-system, financial analysis, portfolio analysis, in- and external regulations and credit/risk management policies
  • Execute credit and risk analysis and underwriting activities and liaise with relevant others on subject in self starting way
  • Must have the ability to lift up to 10lbs and sit and work at a computer for extensive periods of time
  • Ability to communicate both orally and written with other members of the team, clients and prospective clients
  • Demonstrates a high degree of attention, quality, details, correctness and deadlines
57

AVP, Commercial Credit Underwriter Resume Examples & Samples

  • Prepares concise written reports to facilitate lending decisions on new, renewal, and extension loans and other bank facilities, on more complex credits. Reports include a recommended risk rating, summary of facts, identification of key borrower and industry risks and mitigating factors, as well as a complete and accurate statement of the bank’s borrowing relationship. 30%
  • Assumes additional responsibilities and duties as directed by the Underwriting Manager to ensure that underwriting objectives throughout the bank are met. May manage the distribution and taking of minutes for Executive Loan Committee. Provides annual analysis of participation banks and vendors. Acts as resource to less experienced credit staff. 20%
  • 5+ years credit analysis experience, preferably in the banking industry, on moderate to complex transactions for both C&I and CRE lending
  • Ability to multi-task and meet deadlines
58

Commercial Banking Credit Underwriter Resume Examples & Samples

  • Spreads financial statements, business tax returns and personal tax returns employing financial analysis software; Completes loan and account summary and financial updates to asset quality reports
  • Completes covenant compliance and tracking through calculations and documentation as required
  • Completes collateral valuations and validates Borrowing Bases or Advances with restrictions
  • College degree preferably in business or related area, or equivalent business and/or business credit work experience
59

Municipal Credit Underwriter Resume Examples & Samples

  • Undergraduate degree in finance, economics, accounting, or public administration
  • Five to seven years experience in commercial or municipal credit analysis, structuring, financial markets, public finance or government administration
  • Clear and concise verbal and written communication skills; ability to present work product to others in a persuasive manner
  • Sound judgment, logical reasoning, and a strong drive for results and success
  • Ability to work independently and manage changing workload priorities
  • PC/computer proficiency -- Microsoft Word/Excel
  • Experience in municipal finance
  • Familiar with loan and bond documentation
  • 10 years municipal/commercial banking experience
  • Ability to negotiate in an environment with diverse viewpoints
60

Gwim Senior Credit Underwriter Resume Examples & Samples

  • A Corporate mortgage underwriting position with delegated lending authority up to $5mm. Equivalent of SASE 7 Lending Authority
  • Ability to perform complex financial analysis including in-depth understand of tax returns, financial statements and cash flow analysis
  • Must possess an understanding of high net worth individuals and financial planning and structures that support Wealth Management clients
  • Must have ability to achieve production results while maintaining risk and profit objectives
  • Must have the ability to work in team environment
  • Ensure a high level of service to internal and external clients. Actively participate in ongoing efforts to continually improve client service and other various project and initiatives
  • Duties involve (a) significant time and effort analyzing exceptions to affluent client mortgage guidelines and high end loan exposure; (b) development recommendations as to assumptions to quantify risk; (c) analyzing key findings and performance trends then presenting recommendations to management
  • Possess strong written and verbal communication skills
  • Ideal candidate would possess 5+ years of non-conforming mortgage underwriting experience and a working knowledge of conforming mortgage lending
  • Finance or Business discipline degree preferred
  • Preference will be given for 8:30 - 5:30 EST or later schedule
61

Senior Credit Underwriter Resume Examples & Samples

  • Work as a member of the Equipment Finance Group's Credit Team in conjunction with Relationship Managers, Credit Manager, Asset Manager, and Group President to structure and underwrite new loan and lease requests
  • Underwrite and present complex loan and lease requests to management and Risk Officers/ Loan Committee
  • Work directly with RMs to obtain all necessary financial statements and transaction information in order to analyze credit requests
  • Track loan and lease agreement compliance ensuring that relationships within the portfolio are monitored per the terms of the loan agreement and bank policy
  • Prepare risk rating scorecards and related forms/reports to verify that ratings are accurately reflected and documented
  • Conduct company, industry and market analyses to further assess obligor and guarantor credit quality
  • Assist in the review and approval of lease and loan documentation, whether internally or externally prepared, to ensure accuracy and completion in accordance with loan approval
  • Perform, at minimum, annual reviews to assess obligor and guarantor performance and risks associated with the transaction
  • Complete other duties and special projects as assigned by Senior Management
  • Business related college degree, MBA preferred
  • Credit portfolio management with a banking or financial institution
  • Strong analytical skills, statistical modeling preferred
  • High level of interpersonal skills to work effectively with others
  • Highly motivated and self-directed
62

Commercial Credit Underwriter Resume Examples & Samples

  • Spreads financial statements, business tax returns and personal tax returns employing financial analysis software
  • Analyzes financial statements, evaluates historical operating performance and financial condition and assesses operational and credit risks of client or prospective borrower
  • Completes
  • Loan and account summary and financial updates to asset quality reports
  • Covenant compliance and tracking through calculations and documentation as required
  • Collateral valuations and validates Borrowing Bases or Advances with restrictions
  • Verified analytical and accounting skills
  • Proven verbal, written communication and client servicing skills which meets BOHC's established standards
  • Robust interpersonal skills
  • Established personal computer skills; working Acquaintance of MS Office and other spreadsheet and database programs
63

Commercial Credit Underwriter Resume Examples & Samples

  • Communicates completion dates with sales and credit partners, and works to meet agreed upon deadlines
  • Effectively associates with credit platform to improve efficiencies of operation, minimize risk, and expand sales opportunities
  • Makes recommendations regarding credit risk rating of commercial accounts and assesses collateral quality and values
  • Offers recommendations to loan officers regarding credit structure and policy compliance
  • Works closely with loan officers and may accompany them on client visits
  • Completes the annual servicing of current relationships as allocated
  • Evaluates financial statements and Completes independent written credit evaluations
  • Analysis will include a wide-ranging evaluation of the business and will be used by management in approving credit requests. Analysis should sufficiently recapitulate the important aspects of the business including a detailed financial analysis, management competencies, collateral evaluation, and guarantor support
  • Analyses will recognize the key strengths and weaknesses of that debtor. Analyses may also include an evaluation of the borrower’s industry and the borrower’s position within their respective vertical of commerce
  • Makes commendations for monitoring relative to risk and policy, including revision to existing covenants
  • Underwriting of Monitored Lines of Credit, and periodic monitoring via Borrowing Base Calculations throughout the life of the loan
  • Bachelor’s degree in Accounting, Business or Finance and/or equivalent experience
  • Four or more years banking experience with accent on financial analysis and/or commercial lending
  • Innovative written and analytical skills to encompass an Capacity to analyze balance sheet structure, and income and cash flow trends on credits up to the legal lending limit of the bank
  • Acquaintance of or experience in national syndications and buying and selling of loan participations
  • Extensive Acquaintance of commercial credit and lending concepts, practices and regulations
  • Capacity to manage multiple projects at one time
64

Commercial Credit Underwriter Resume Examples & Samples

  • Analyzes commercial loan applications received by Relationship Managers to determine eligibility of request. Provides prompt turnaround time upon request. Confers with Relationship Managers to determine client needs and discuss options for borrowers. Requests any additional information needed to complete processing and periodically attends client meetings to provide credit expertise. Approves or declines commercial loan requests within assigned limits. Recommends credit approval requirements including the establishment of financial performance covenants, monitoring requirements, and other loan provisions and ensures accurate grading of new and existing credits based on analysis
  • Assures the customer loan request is processed accurately and timely. Coordinates with appraisal department and escrow companies for secured loan products
  • Orders the preparation of loan documentation and reviews for completion
  • High school diploma or GED required
  • A proven ability to interpret and discuss analytical data and make credit recommendations to Senior Management and/or Risk Management on strategic issues or initiatives
65

Junior Credit Underwriter Resume Examples & Samples

  • Review factoring applications for suitability and credit quality
  • Recommend proposed pricing and structure
  • Work with sales to get deals funded
  • Analyze client and customer credit information to determine credit worthiness
  • Provide current information on industry trends
  • Other duties assigned as needed
66

Gwim Senior Credit Underwriter Resume Examples & Samples

  • Typically 7+ years of banking experience
  • Strong credit analysis skills
  • Opportunities for coaching and mentoring more junior underwriters
67

Centralized Credit Underwriter Resume Examples & Samples

  • Review, analyze and make decisions on Direct Consumer and Mortgage credit applications using APPRO and FIS LOS system technology
  • Provide second look capabilities on loans requiring high-level review
  • Adhere to service delivery and quality of service requirements
  • Execution of current Bank, departmental and personal plans
  • Participate in all required training sessions for compliance
  • Maintain adequate controls to insure compliance with consumer protection statutes/regulations in a defined area of responsibility
  • Implement bank directed policy and changes relating to regulatory amendments
68

Credit Underwriter Resume Examples & Samples

  • 2 - 4 years underwriting experience or commensurate experience in a commercial bank
  • Completion of a formal credit training program preferred
  • General understanding of mortgage warehouse lending preferred
69

Central Credit Underwriter Resume Examples & Samples

  • Bachelor's degree preferably in Business, Finance, Accounting, or Economics and/or 5+ years in a lending environment
  • Previous commercial/consumer underwriting experience
  • Ability to understand cash flow, financial statements, and leverage ratios
  • Proficient in Microsoft computer applications
70

Credit Underwriter Resume Examples & Samples

  • Lead the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers by taking ownership of prospective opportunities
  • Work with Relationship Managers and Credit Officers to assess credit opportunities, identify key risks and appropriately structuring financing alternative that are both competitive in the marketplace and within the risk parameters of the bank
  • Prepare in-depth credit packages, projection models and risk grade assessments, conduct industry and company research for bilateral and syndicated credit relationships
  • In consultation with the Credit Officer, make credit recommendations and decisions based on the best interest of the customer and bank
  • Manage the credit process while communicating effectively with the Relationship Manager, Credit Officer and Client
  • Minimum 4 years underwriting experience in a commercial bank with a focus on commercial and industrial transactions in the $3mm to $100mm range with companies generating revenue in excess of $20mm
  • BBA in accounting or finance preferred
  • Superior analytical and problem solving abilities along with verbal, and written communication skills
71

Sba Credit Underwriter Resume Examples & Samples

  • Spreads and analyzes business and personal financial data
  • Utilizes sound credit underwriting skills to recommend a credit decision, and to prepare appropriate internal and external reports to obtain necessary bank and government agency approvals
  • Meets or exceeds all assigned production goals and objectives
  • Negotiates, where necessary, the terms under which credit will be extended including the costs, repayment method and collateral requirements
  • Develops support information and makes loan presentations to senior credit management, when requested. Follows up on loans submitted whether recommended for approval or declined
  • Maintains excellent relationship and customer service with all clients, government partners and co-workers
  • Maintains a working knowledge of the bank’s lending policies, procedures, and philosophies toward various types of loans which may include, but is not limited to, SBA loans, commercial real estate loans and construction loans
  • Understands and promotes bank philosophies, personnel, products, services programs, campaigns and goals to staff and public
  • Assists with special projects as needed
  • LI-TW1
  • Five + years in banking in commercial and/or SBA loan analysis and in underwriting business loans
  • Experience in financial statement analysis
  • Working experience in SBA and other government-assisted lending programs, with knowledge of the SBA standard operating procedures
  • Knowledge of commercial and real estate loan processing
  • Knowledge of personal computer software (Microsoft Office, including Word and Excel, and related software)
  • Verbal and written communication and presentation skills
72

Senior Credit Underwriter for the Bridge Funding Group Resume Examples & Samples

  • Completes in depth analysis of financial data and other information provided by the client and/or the BFG Sales Officer
  • Supplements analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor and industry risks and trends
  • Summarizes recommendations with supporting financial reports, confers with BFG Sales Officer, and presents to the BFG Senior Credit Officer for final authorization
  • Monitors an assigned credit portfolio and completes annual reviews; maintains a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statistics
  • Completes the most complex credit analysis with limited supervision
  • Monitors a portfolio with complex credits or industry specialty
  • Demonstrated ability to balance credit and revenue objectives; partners effectively with BFG Sales Officers to deliver a superior client experience
  • Participates in, and may have leadership roles in, ad hoc project assignments as made by the BFG Senior Credit Officer or BFG President
  • Other responsibilities as assigned by the BFG Senior Credit Officer
73

Credit Underwriter Resume Examples & Samples

  • To support and work closely with all members of the Credit Department
  • Focus on high levels of service ensuring client satisfaction and retention
  • To support Team Leader (Operations) on a day to day basis
  • Month end reporting/analysis as required for onward submission to Team Leader (Operations) Credit/Senior Credit Manager/Chief Operating Officer
  • Ensure 24 hour turnaround on all credit limit applications
  • To help manage the department’s inflow of all operational tasks and duties
  • Prepare and sanction bad debt write offs within own given authority
  • Ongoing liaison with various internal departments, brokers, trade insurers and existing clients as and when necessary
  • Ongoing support and taking responsibility for certain aspects of various operational projects to enhance client service
  • To assess credit limits within own given authority
  • To accurately input debtor credit limits within own given authority
  • Ensure full compliance with Euler Hermes trade insurance policy and all internal policies
  • To amend, clarify and determine correct legal entity being dealt with
  • To minimise potential bad debts and ensure all credit limits underwritten are justifiable within the terms of our Euler Hermes Trade insurance policy
  • Maintain control of credit limit expiry report and ensure no limit is out of date
  • Minimise CBIF risk/exposure in the event of adverse situations and ensure these are reported accordingly
  • To record justification criteria and supporting documentation for credit limits sanctioned
  • To prepare/recommend large exposure applications for submission to Team Leader/Senior Credit Manager/Chief Operating Officer
  • Maintain bad debt levels within budgets/provisions
74

Credit Underwriter Resume Examples & Samples

  • Bachelor’s degree in accounting, finance, banking administration or similar field
  • 5+ years as a Credit Analyst/Underwriter for a bank or commercial finance company
  • Excellent interpersonal and communication skills with focus on quality and integrity
  • Assertive, results driven, self-motivated, and ability multi-task
  • Flexible and adaptable to a dynamic environment
75

Corporate Credit Underwriter Resume Examples & Samples

  • Analysis of guarantors as needed to support credit underwriting
  • Validates the appropriate risk rating for a company and proactively identifies risk rating changes
  • Well organized, detail-oriented, and is able to multi-task
76

Commercial Credit Underwriter Resume Examples & Samples

  • Review and approval of financial analysis conducted on new and existing wholesale/loan accounts from data obtained from both internal and external sources
  • Ensure proposals are properly risk rated and are in compliance with corporate policies
  • Ensure analysis is accurate and recommendations address issues or exceptions to mitigate Ally's risk
  • Drive underwriting results to meet or exceed targets for volume and turn time
  • Work collaboratively with matrix partners for the development, production and approval of proposals
  • Be responsive to all requests for information made by the FDIC, Federal Reserve or internal audit and quality control partners
  • Actively coach and mentor employees to maximize their potential
  • Undergraduate degree (graduate degree preferred)
  • Thorough understanding of commercial lending (automotive experience preferred)
  • Strong financial analysis and analytic skills
  • Proficient in intermediate MS applications (Word, Excel, Access, PowerPoint and Outlook)
  • High level of interpersonal skills
  • High level of written and oral communication skills as well as attention to detail
  • Strong organizational skills and time management abilities
  • Strong project management skills and ability to effectively prioritize tasks
  • Ability to function effectively in a matrix organization
77

Market Lead Credit Underwriter Resume Examples & Samples

  • Perform in-depth credit analysis of new and complex credit requests for prospects and existing customers
  • Work with Relationship Managers and Credit Policy Officers to assess credit opportunities, identify key risks, and structure alternatives
  • Assist the Line of Business Manager in leading a team of underwriters, includes recruiting, training, evaluating, promoting and mentoring underwriters and staff and budgeting requirements
  • Coordinate the underwriting schedule, maximize productivity among underwriters and manage deadline expectations to ensure above standard performance
  • Manage the underwriting process for the Energy portfolio, including consistency in policy and procedures and the relationship between Underwriting and the Credit Group
  • Assist the Credit Group in ensuring Energy portfolio complies with all regulatory and policy requirements and managing regulatory reporting and audit inquiries
  • Support the Line of Business Manager in managing portfolio and any quarterly reporting requests
  • Manage special projects as determined by the Line of Business Manager and Credit Group
  • Perform quality control techniques by identifying and resolving any issues within the underwriting standards and procedures
  • First line of communication and coordination with procedural notifications and projects from Credit, Engineering, Corporate Compliance, Loan Operations, L/C Department and other bank groups
  • Create and maintain a training process and all underwriting templates within the department that promotes teamwork, enhances underwriting skills and increases productivity levels
  • Bachelor’s Degree in Finance/Accounting or related business field from a four year college or university
  • 5-10 years minimum experience in Energy Banking in a credit analysis and/or underwriting role, with a proven ability to perform in-depth credit analysis on new and complex credits
  • Strong analytical skills including the ability to read and assess individual and company financial statements, reserve reports, drilling schedules and engineering reports
  • Prior experience leading other team members preferred
  • Ability to mentor, develop mentor relationships and promote team orientation
  • Completion of a formal credit training program
  • Proven problem recognition and resolution skills
  • Must be able to work in a fast-paced environment and successfully execute multiple tasks concurrently
78

Commercial Credit Underwriter Resume Examples & Samples

  • Prepares Credit Approval Memorandum (CAM) package and written summaries, including forward looking acceptability of risks for
  • Minimum of 3 – 5 years commercial credit experience, preferably
  • Demonstrated proficiency and expertise with personal computers in a networked environment and Microsoft applications (Outlook, Word, Excel, Access, and PowerPoint) or similar software
  • Requires excellent worksheet skills and good working knowledge of database programs
  • Knowledge of or ability to use Bank software and systems
  • Demonstrated verbal and written communication skills, including presentation skills
  • Must have the ability to express complex ideas in concise and simple terms
  • Able to demonstrate strong analytical and quantitative skills, with excellent attention to detail
  • Must be able to manage multiple assignments with changing deadlines in a high pressure environment
  • Able to build strong working relationships with a collaborative approach, but must also be a self-starter with the ability to work independently
  • Possesses good interpersonal skills and client servicing skills to meet the Bank’s standards
  • Must always follow up and follow through
  • Able to work flexible hours including holidays, weekends and evenings as needed or assigned
  • Must be able to provide own transportation or to operate a vehicle with a valid driver’s license and commute in a timely manner as required
  • Able to travel by air as necessary
79

Commercial Credit Underwriter Resume Examples & Samples

  • Effectively partners with credit platform to improve efficiencies of operation, minimize risk, and expand sales opportunities
  • Bachelor’s degree in Accounting, Business or Finance or equivalent
  • Three or more years banking experience with accent on financial analysis and/or commercial lending
  • PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables
  • Acquaintance of financial statement spreading, including proficiency in preparing pro-forma statements within Moody’s or other software package
  • Established Capacity to make complex decisions regarding business and lending activities
  • Robust organization skills with the Capacity to self-manage time and work flow to meet deadlines
80

Commercial Credit Underwriter, / II Resume Examples & Samples

  • Coordinates the credit approval process, evaluates repayment, and mitigates risk
  • Analyzes key factors such as industry, management, and economic trends
  • Provides assistance and exceptional sales support to all sales staff in answering questions relating to commercial loans
  • Assists Relationship Managers as needed in the preparation of Interim Credit Reports and Real Estate Update Memos
  • Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues. Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending
  • Performs Commercial Credit Officer duties in their absence as needed
  • Undergraduate degree in Finance, Business Administration or Accounting, or related work experience preferred
  • Established knowledge of financial accounting theory and logic, loan structuring, commercial products and services
  • Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas
  • Ability to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel
  • Ability to complete a high volume of work efficiently and with accuracy
81

Commercial Credit Underwriter Resume Examples & Samples

  • Underwrites basic Business Banking and Commercial department loan requests with TCE not to exceed $1MM
  • Performs annual reviews, financial spreads and global debt service calculations when directed
  • Ensures that loan requests are underwritten consistently and in accordance with The Bank’s credit policies, procedures and standards
  • Manages assigned credit transactions ensuring that the loan requests are being handled efficiently and processed in a timely manner, consistent with The Bank’s standards. With supervision, communicates with lenders, credit officers and management about specifics concerning approved and declined loans when merited
  • Tracks, monitors, and reports activity on loan applications and decisions, including maintaining a record of loan applications received and booked
  • Maintains the independence of the CCU’s underwriting and the recommendation of the initial credit risk rating
  • Knowledge of general banking principles
  • Working knowledge of common office equipment including Microsoft Outlook, Word, & Excel
  • Experience working with employee levels throughout the company
  • Strong understanding of bank regulations related to the Office of Foreign Asset Control, the Bank Secrecy Act, the Anti-Money Laundering Act, and the USA PATRIOT Act
  • Strong credit skills with prior experience as an underwriter for all types of commercial, consumer, real estate and specialty lending
  • Ability to work evenings and weekends when required
  • Telephone
  • 1 – 3 years of credit underwriting and or financial analysis work experience required
82

Credit Underwriter Resume Examples & Samples

  • Assess applications against the criteria of the requested product to ensure a fair outcome for the applicant and the business
  • Analyse supporting documentation in accordance with company and FCA procedures, and accurately updating the system accordingly
  • Complete deals within personal mandate level, ensuring all quality procedures are adhered to and all cases comply with stated policies & guidelines
  • Identify any potential fraud and escalate as appropriate
  • Managing own workload to ensure all work is completed in a timely manner, within our Service Level Agreement
83

Trade Specialist Senior Credit Underwriter Resume Examples & Samples

  • Experienced commercial and risk underwriter with extensive experience in deep financial and commercial insurance analysis on buyers and sellers within trade transactions including cash flow statements, working capital
  • Strong transactional experience in trade finance insurance products including broad spectrum of trade products (receivables, confirmed payables, supply chain finance, guarantees, letters of credit, trade loans etc.)
  • Ambitious individual who is commercially focussed and able to present to CFOs, treasurers, investors and banks; thrives in client-facing role
  • Experience using highest risk authority whilst still able to engage with committee requirements
  • Ability to use and monitor technology to support role
  • Ability to manage time pressure, deadlines and competing tasks/ prioritise
  • Willingness to travel, particularly in Europe but could be globally
  • Business acumen
  • Expertise in Excel, PowerPoint, Word, and price forecasting
84

Corporate Banking Credit Underwriter Resume Examples & Samples

  • Analysis of guarantor as needed to support credit underwriting
  • Ongoing portfolio monitoring and servicing in conjunction with Shared Services support
  • Identifies opportunities for exposure reduction or new opportunities within assigned portfolio
  • Works collaboratively with multiple stakeholders
85

Credit Underwriter Resume Examples & Samples

  • Perform complex income tax return analysis upfront at the scenario stage if documentation is available
  • Manage prefund quality control errors to below 5% at all times
  • Additional responsibilities as required by management
  • College degree required, advance degree a plus
  • Extraordinary client service aptitude
  • Ability to work under tight timelines
86

Trade Credit Underwriter Resume Examples & Samples

  • Work with business side to review the portfolio and provide actuarial advice on profitability and
  • Perform other duties as defined regulation on appointed actuary and assigned by internal managers
  • Can work independently to accomplish at least two of the major actuarial tasks including
  • Bachelor or above degree in mathematics, statistics ,finance, economy or other majors with a strong
87

Credit Underwriter Resume Examples & Samples

  • Manage the renewal process and prepare annual/ semi-annual reviews, including preparation of an in-depth credit analysis of existing borrowers
  • Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure, and business strategy as well as regulatory guidelines
  • Participate in customer calls, site visits, and industry functions when appropriate
88

Credit Underwriter Resume Examples & Samples

  • Analyze and decision applications for auto leases within established underwriting guidelines and in compliance with fair lending laws and regulations
  • Flexibly and creatively restructure deals, as necessary and when possible, to result in well performing credits that are suitable for, and tailored to, the specific needs and circumstances of the applicants
  • Clearly document credit decisions and their rationale; correctly and consistently notate adverse action reasons
  • Devote the time and attention appropriate to each application to most efficiently yield high quality credit decisions
  • Perform investigations and verify information essential to a sound credit decision without unnecessarily inconveniencing applicants
  • Maintain a high level of service by being responsive to inquiries from inside and outside the organization
  • Cultivate strong objective relationships with the Sales/Marketing Team, Sales Admin Team, Delivery Specialists, Funders and other Tesla team members
  • Recommend improvements to the underwriting process with a focus on innovation, efficiency and effectiveness
89

Commercial Credit Underwriter Resume Examples & Samples

  • Analyzes credit worthiness of commercial accounts by reviewing internal and external information, including processing activity reports, credit bureau reports, financial statements, etc
  • Renders a commercial credit decision upon review of information
  • Writes detailed credit reviews and performs complex analyses, including analysis of cash flow, quality of assets and earnings, working capital, potential liabilities and risks, and impact of credit review findings. Negotiates collateral requirements and/or change of terms with merchants
  • Calls and writes commercial customers to request information, such as financial statements, shipping/delivery information, marketing brochures, etc
  • Discusses financial results with management
  • At least 2 years solid commercial credit experience. Or, recent college grads with relevant course work, summer internships, and related work experience
  • Credit Underwriting experience a definite plus!
  • Strong financial statement analysis skills
  • Banking, ACH Transactions, and Payment Processing backgrounds a definite plus!
  • College degree in Finance, Accounting, Business, Economics or Math. Related credit experience in lieu of degree will be considered
  • Team player with exceptional verbal and written communication skills
  • Ability to justify credit decisions, balance risk and business / sales issues
  • Articulate. Can negotiate with sometimes difficult commercial customers
  • Able to multi-task in a high volume, fast-paced environment
  • Advanced MS Excel skills and strong working knowledge of other MS Office applications
90

Credit Underwriter Resume Examples & Samples

  • Analyze applications for completeness, adequacy of information, financial strength
  • Recommend Credit Lines to match credit worthiness of accounts
  • Correspond (verbal and written) with applicants, client representatives and account holders on reasons for declines, additional information, and items concerning requests
  • Review applications and accounts for indications of fraud. Verifications are conducted via research, phone calls to applicant/account holder and references/contacts of applicant/account holder
  • Obtain appropriate security and/or other documentation to secure accounts (e.g. Cash Deposits, UCC and other liens, letters of credit, guarantees, etc)
  • Obtain appropriate approval for various levels of credit lines assigned/recommended for accounts
  • Record new credit line in all systems and files as required
  • Conduct annual reviews of accounts to ensure continued credit worthiness for existing credit lines
  • Review existing accounts for increases to credit lines
  • Review accounts listed on 80% report to determine whether an increase in credit line is warranted
  • Prepare and investigate Service Level Agreements reports
  • Correspond with applicants/account holders on questions received. Questions are received via phone, fax, email and other communication methods
  • Prepare & edit ‘desk guides’ to record current procedures
  • Conduct special projects (e.g. assess credit worthiness of specific industries, assess quality of accounts approved, assess automated processes and products, etc)
  • Review, assess impact, and take corrective action on informational alerts received from various reporting agencies
  • 1-2 years of business-to-business underwriting, business or credit analyst experience required
  • College degree preferred with emphasis in Business Administration or Accounting
  • Experience in financial statement analysis is required
  • Experience in a retail or sales environment is a plus
  • Intermediate knowledge of Microsoft Office
  • Strong analytical skills in order to interpret credit documentation and guidelines
  • Highly effective interpersonal skills and conflict resolution/problem solving skills are a must to interact with internal staff and customers
  • Effective organizational and multi-tasking skills along with strong attention to details
  • Highly intuitive nature in order to detect potential concerns while assessing credit worthiness
91

Commercial Credit Underwriter Resume Examples & Samples

  • Underwrites Commercial loan requests
  • Manages assigned credit transactions ensuring that the loan requests are being handled efficiently and processed in a timely manner, consistent with the bank’s standards
  • Communicates with lenders, credit officers and management about specifics concerning approved and declined loans
  • Formal commercial credit training, either from a bank management training program or external provider such as RMA or Omega
  • 3-5 years of credit underwriting and/or lending work experience required including: C&I, Owner-Occupied Commercial Real Estate, Accounts Receivable/Inventory and Commercial & Residential 'For Sale' & 'Income' properties