Business Officer/Loan Underwriter

Industrial and Commerce Bank Of China USA NA•Houston, TX

6h•$70,000 - $90,000•Onsite

About The Position

This role supports frontline departments in conducting due diligence for new business opportunities. The Business Officer/CRE Loan Underwriter works closely with Account Officers and the Credit department to provide mitigation and recommendations for proposals, aiming to successfully close business deals in a timely manner. The position also assists frontline departments with financial analysis for both existing and potential customers in preparation for credit proposals and annual reviews.

Requirements

Excellent writing and analytical skills
Demonstrates accuracy and thoroughness.
Manage multiple priorities, and complete the assignments on schedule.
Responds promptly to customer needs and meets commitments.
Communicate with customers and branch employees effectively and clearly.
Collects and researches data; Uses intuition and experience to complement data.
Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Uses reason even when dealing with emotional topics.
Writes clearly and informatively; Able to read and interpret written information.

Nice To Haves

Full knowledge in commercial real estate mortgage (CRE), small business lending product (include but not limited to C&I, LOC, and etc.), and financial institution (FI) evaluation.

Responsibilities

Follow-through with front-line department, credit department and loan operation department through all phases of the underwriting process.
Maintain customer relationship and provide good services.
Analyze borrower/guarantor financial information including tax return, rent roll, etc. to determine the property’s debt carrying ability and the borrower’s capacity to repay.
Full knowledge in commercial real estate mortgage (CRE), small business lending product (include but not limited to C&I, LOC, and etc.), and financial institution (FI) evaluation.
Spread and analyze personal and corporate financial statements, and prepare credit proposal.
Prepare various weekly/monthly reports for management, or other departments.
Participate in special projects as required.
Ability to adapt to a changing environment and handle multiple priorities.
Perform administrative responsibilities including taking notes during meetings, preparing correspondence, and managing files.
Performs other duties as assigned.
Collect business and credit information and references.
Coordinate with attorneys and frontline officers to prepare loan closings.