Commercial Credit Underwriter

Position: Commercial Credit Underwriter I
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* Work Location:

** Mount Laurel, New Jersey, États-Unis d'Amérique
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* Hours:

** 40
* * Pay Details:**$28.25 - $45.00 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
** Line of Business:
** Services bancaires personnels et commerciaux
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* Job Description:

** The Commercial Credit Underwriter I analyzes, underwrites and may act as the final decision authority on commercial loan applications while following sound lending practices, policies and procedures. The Commercial Credit Underwriter I ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements. Responsible for basic financial analysis of less complex loans/industries/Customers.
** Depth & Scope:
*** May possess loan decision authority up to position authority limits as defined in credit policy
* Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits
* Underwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices.
* Performs In-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/ Fair Isaac output data
* May investigate available sources of credit and financial information
* Research economic and market conditions relating to the company, industry and market area
* Notes any deviations from loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk
* Identifies credit applications that require credit enhancements and decisions respective applications accordingly
* Renders final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / Fair Isaacs Scoring Data, management profiles, business/product cycles, industry information, projected…