Loan Underwriter: Risk & Credit Analysis

Financial analysis experience (small business or personal lending preferred) Knowledge of finance/basic accounting Bachelor’s degree preferred or equivalent experience Ability to gather and analyze information efficiently and formulate an independent recommendation Plusses: Job Description: Structure and underwrite submitted loan packages with a focus on repayment analysis, collateral support, personal credit profile, and eligibility/alignment. Engage with Loan Officers and applicants to address underwriting questions and counter- offer requests when needed. Recommend acceptable loan requests for approval, complete with underwriting memo and supporting analysis. Communicate loan approval terms or declination rationale. Provide guidance and suggestions to Loan Officer/applicant on actions that can be taken to mitigate noted risks. Determine appropriate funding program based on eligibility criteria and approved terms. Ensure appropriate supporting documentation is provided/verified and maintained on file. Partner with the Lending and Loan Administration teams to provide client focused service and support. Accompany Loan Officers calling on customers when requested. Perform site visits when requested as related to a loan request.

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