Underwriter III - Commercial

Responsibilities Works independently with little or no oversight. Exercises exception and elevated approval authority. Prepares loan offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Serves as a subject matter expert for certain asset classes, and may represent or lead the department on special projects or assignments. Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. May coach and/or review the work of other underwriters and fill in for manager as required. Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information. Performs relevant pre-approval and post-approval activities. Identifies and/or confirms all external regulatory requirements. Ensures internal policies/procedures are followed. Makes recommendations on credit decisions or makes credit decisions directly, as appropriate. Requirements 3+ years of relevant / direct industry experience Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions Experience with Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk Assessments Core Competencies Demonstrates expertise in Credit Decisions, Financial Analysis, and Risk Assessments while ensuring compliance with internal policies and external regulatory requirements. Capable of managing complex loan offerings and coaching other underwriters to achieve results-oriented outcomes. #J-18808-Ljbffr Jobtailor