Underwriter IV- Commercial

* Works autonomously. Exercises exception and elevated approval authority. Prepares offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Provides recommendations for credit structuring.  Serves as a subject matter expert for certain asset classes, and may lead the department on special projects or assignments.  Coaches, mentors, and assists otherson best practices and processes.
* Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and/or reviews the work of other underwriters and fills in for manager as required.
* Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information. Performs relevant pre-approval and post-approval activities.
* Identifies and/or confirms all external regulatory requirements. Ensures internal policies/procedures are followed.
* Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.
* Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.

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