Senior Commercial Underwriter

DescriptionKforce has a client in Phoenix, AZ that is seeking a Senior Commercial Underwriter to join their growing equipment finance team. As a Senior Underwriter, you'll evaluate and structure Commercial & Industrial (C&I) lease and loan transactions, balancing sound credit decisions with strategic business growth opportunities.Responsibilities:* Analyze business, industry, financial data and other supporting credit information concerning an applicant's credit request* Identifies key business and financial risks that may impact the repayment prospects by the borrower* Derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement* Prepare timely, concise and accurate credit recommendations, with limited supervision or revision; Accurate use of risk rating scoring models both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; Accurate identification and mitigation of all exceptions to Company tracked policies exceptions; Accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s)* Monitor borrower financial performance in line with commercial and/or real estate loan documents* Spreads financial statement and ensures required financial statements are spread in accordance with Company Guidelines* Collaborate with team members to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner* Partners with team members to offer insights into customer financial needs, including using Line of Business-approved relationship expansion tools* May offer opinions related to a loan structure's effectiveness to mitigate risks, appropriate to prevailing competitive market environment and Company risk tolerances* Partners with team members in customer calls as appropriate* May shadow manage a portfolio as part of training and development, with Underwriting Manager approvalRequirements* Bachelor's degree required* Certified Lease & Finance Professional (CLFP) preferred* 7-10 years of commercial credit underwriting experience in a lease and loan environment required* Experience underwriting commercial lease transactions within an equipment finance environment is required typically exceeding $5 million* Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience* Advanced knowledge of credit policies, procedures, practices and documentation* Advanced analytical and problem-solving skills* Possess excellent written, verbal, interpersonal and presentation skills* Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time* Ability to train and present to small and large audiences or has the interest in learning to train and present* Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships* Follow and maintain a working knowledge of Company's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job descriptionJob TypeDirect HireCompensation100000 - $130000