Bcs Underwriter Iv

Responsible for making credit worthy decisions on complex commercial transactions to determine acceptability of risk in accordance with the company guidelines and standards.

Advanced expertise on commercial loans.

Position Accountabilities

• Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements, and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income / expenses. Comprehends all schedules, notes, and K-1's. Differentiates between cash and accrual method and comprehends UCA cash flow analysis. Consolidates related entities and summarizes results.
• Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements.
• Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying / resolving potential problem loans.
• Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspects of the request.
• Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review / renewals, and identifying opportunities.
• Performs other duties as assigned.

Qualifications

Required Education or Equivalent Experience

Bachelors Degree Required.

Required Experience

• Years of functional / professional experience :
  At least 10 years.
• Field of Experience :
  Expert knowledge of information and data processing systems. Expert in evaluating business and credit reports.
• Expert knowledge of our Policy and Procedures.
• Expert understanding of various regulatory / compliance policy and procedure including but not limited to Fair Lending, OFAC, Flood, Regulation O, highly leveraged transactions, etc.
• Meet and / or exceed our Service Level Agreement commitment.
• Proficiency in MS Office and other system applications.
• Excellent written and verbal communication skills.
• Excellent organizational skills.

Additional Information

All your information will be kept confidential according to EEO guidelines.

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