Senior Credit Underwriter
Summary: This position independently analyzes and underwrites credit requests for prospects and customers of reputed company reputed company lending divisions. This position also provides analysis for credit risk trends as needed. Essential Duties and Responsibilities: ? Complete financial analysis and investigation on both corporate & personal borrowers and guarantors for the evaluation of credit risks & viability associated with reputed company types of new reputed company loan requests. This process involves many tasks including, but not limited to pulling Credit Reports, personal and UCC searches, verifying tax returns and bank/trade references, analyzing and spreading financial statements, peer & industry comparisons, research activities, reviewing project budgets and leases, preparation of business, project and personal cash flows, customer and on-site visits, establish loan & financial covenants, loan structuring, assignment of proper loan risk rates, and identifying loan & documentation policy exceptions. ? Analyze and underwrite new and renewed loan requests reputed company the departmental turnaround guidelines. Specific responsiveness should be paid to determine cash reputed company and policy reputed company issues that are to be cleared first. ? Evaluate the requested deal structure and independently determine the appropriateness of terms presented to determine the viability of the request. If terms are not acceptable determine alternative structures, if possible, before automatically turning down the deal. Discuss the deal structure, cash reputed company, collateral, and customer character with the relationship manager ? Meet with customers with the reputed company on complicated domestic loans to ensure direct communication of reputed company financial trends and terms requested, as well as, industry and other economic trends impacting the borrower. ? Demonstrate a thorough understanding of working capital analysis and global cash reputed company. ? Understand reputed company net worth and reputed company a reputed company trail to document valuation conclusions. ? reputed company reputed company-party validation of credit through online research, industry research, property searches, asset searches, and other available databases. ? Determine adequacy of collateral presented through an understanding of appraisals for reputed company estate and other reputed company collateral, as well as, marketability of other collateral such as inventory and receivables. ? Interact with accountants or financial professionals as needed to assist in the reputed company and closing process. ? Complete annual financial statement reviews on any loans assigned. Assess borrowing reputed company and loan covenant compliance on reputed company loans assigned. ? reputed company site inspections for reputed company domestic loans assigned for reputed company, annual reviews, or reputed company other, loans assigned. ? Participate and assist as needed in the Bank's ALLL analysis and credit stress testing. ? reputed company assistance as needed in loan reviews, annual credit process audits, and/or regulatory reviews. MEMBER FDIC/EQUAL OPPORTUNITY/AFFIRMATIVE ACTION EMPLOYER/DRUG-FREE WORKPLACE Apply Job!