Underwriter Jobs

About The Position

Requirements

• Bachelor’s degree in business, finance, or math and / or 3+ years’ experience in underwriting credit card, small business, consumer lending or related field.
• In-depth knowledge of credit, small business underwriting and risk analysis.
• Prior use of automated processing and data base platforms.
• In-depth knowledge of Federal and State Lending Regulations.
• Strong analytical and problem-solving skills.
• Strong oral and written communication skills.
• Ability to work with minimum supervision.
• Excellent organizational and time management skills.
• Must be able to work in a high-volume production environment.
• Self-motivated team player with high level of initiative, accountability, and adaptability.

Responsibilities

• Underwriting small business, corporate, municipal, and non-profit credit card applications, and credit line increase requests.
• Supporting consumer application underwriting as needed.
• Performing the necessary credit analysis, due diligence, and regulatory review for all credit requests with accuracy in a high-volume production environment.
• Reading, analyzing and interpreting personal and corporate financial documents including the balance sheet, income statement, tax returns and cash flow statement.
• Applying mathematical concepts to analyze and interpret final statements of commercial clients providing a more comprehensive picture of the company’s financial stability and their ability to repay debt.
• Comparing a company to the industry standard.
• Effectively presenting information to the Bank’s Loan Committee and communicating with loan account officers.
• Demonstrating strong sense of logic and common-sense lending without increasing bank’s credit risk.
• Working closely with Management to establish and maintain an even workflow with constant processing turnaround times to meet service level agreements and goals.
• Providing backup for department leaders as needed.
• Other duties as assigned.

Benefits

• Competitive medical, dental and vision benefits
• 401(k) and Roth 401(k) retirement plans with company match
• Flexible spending accounts (medical and dependent care)
• Company-paid parental leave
• Educational assistance
• Company-paid continuing education credits
• Paid employee assistance program
• 12 paid holidays, including (3) Paid Employee Appreciation days each year, (2) Celebrate You Days for your Birthday & Anniversary, and company events.
• Multiple time-off options for vacation, volunteering, or caring for yourself or loved ones.