Senior Commercial Underwriter

Description Kforce has a client in Phoenix, AZ that is seeking a Senior Commercial Underwriter to join their growing equipment finance team. As a Senior Underwriter, you'll evaluate and structure Commercial & Industrial (C&I) lease and loan transactions, balancing sound credit decisions with strategic business growth opportunities.

Responsibilities:
* Analyze business, industry, financial data and other supporting credit information concerning an applicant's credit request
* Identifies key business and financial risks that may impact the repayment prospects by the borrower
* Derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement
* Prepare timely, concise and accurate credit recommendations, with limited supervision or revision;
Accurate use of risk rating scoring models both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated;
Accurate identification and mitigation of all exceptions to Company tracked policies exceptions;
Accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s)
* Monitor borrower financial performance in line with commercial and/or real estate loan documents
* Spreads financial statement and ensures required financial statements are spread in accordance with Company Guidelines
* Collaborate with team members to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner
* Partners with team members to offer insights into customer financial needs, including using Line of Business-approved relationship expansion tools
* May offer opinions related to a loan structure's effectiveness to mitigate risks, appropriate to prevailing competitive market environment and Company risk tolerances
* Partners with team members in customer calls as appropriate
* May shadow manage a portfolio as part of training and development, with Underwriting Manager approval Requirements
* Bachelor's degree required
* Certified Lease & Finance Professional (CLFP) preferred
* 7-10 years of commercial credit underwriting experience in a lease and loan environment required
* Experience underwriting commercial lease transactions within an equipment finance environment is required typically exceeding $5 million
* Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience
* Advanced knowledge of credit policies, procedures, practices and documentation
* Advanced analytical and problem-solving skills
* Possess excellent written, verbal, interpersonal and presentation skills
* Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time
* Ability to train and present to small and large audiences or has the interest in learning to train and present
* Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships
* Follow and maintain a working knowledge of Company's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description

Job Type Direct Hire Compensation
100000 - $130000