Senior Construction Credit Underwriter

Commercial Real Estate Underwriter

Underwrites and prepares credit presentations for complex Commercial Real Estate (CRE) loans. Assists Relationship Managers (RMs) in the monitoring of a large loan portfolio consisting of complex CRE products including construction, bridge, and permanent loans. Collaborates with RMs to manage and deepen full banking relationships with sophisticated CRE developers and investors.

Analyze appraisal and market data to assess market risk associated with the CRE project. Underwrite sponsors' contingent debt, portfolio refinance risk, and global cash-flow to assess their ability to address financial obligations. Assess CRE credit markets to analyze potential take-out financing. Identify key business and financial risks that may impact the repayment prospects by the borrower; presents 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. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models, using both quantitative and qualitative rating elements to ensure sponsors and individual loans are properly risk-rated; (3) accurate identification and mitigation of all Bank tracked policy exceptions, tracked guidelines exceptions, and departures from established procedures and underwriting processes; and (4) accurate loan and risk rate coding when the credits are boarded on the bank operating systems.

Monitor borrower financial performance in line with loan documents; spreads or oversees spreading of financial statements in accordance with Bank Guidelines to ensure accuracy. Collaborates with RMs to identify and communicate credit risk so that it is effectively mitigated within new and existing credits.

Partners with Analysts and Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools. May also offer opinions related to a loan structure's effectiveness to mitigate risks, appropriate to prevailing competitive market environment and Bank risk tolerances.

Partners Relationship Managers in customer and prospect calls as appropriate.

May oversee the work of other commercial underwriters or credit analysts, including the timely review of credit requests and financial spreads to ensure accurate, high quality work product.

Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities knowledge may be gained through coursework and on-the-job training. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

Takes personal initiative and is a positive example for others to emulate.

Embraces our vision to become "Business Bank of Choice"

7-10 years of commercial underwriting/credit analysis experience or relevant lending experience. (Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis.

Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering high quality work product on time.

Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.

Advanced knowledge of credit policies, procedures, and practices.

Proficiency with personal computers and related software packages such as Word and Excel.

Travel Requirements

~ The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

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