Enterprise Credit Treasury Lending Underwriter I-II or Senior
About the role
Responsible for Middle Market, Business Banking, HENFP, CREB, HSTR, DFS, and GWIM underwriting, structuring, and approving credit actions for new Treasury Management and Card credit requests, renewals, and reviews. Exercises single signature approval authority for Intraday and Card credit exposure per applicable approval grids. Credit decisions must meet underwriting quality and risk management standards and comply with bank policies and procedures. Provides leadership and periodically offers concurrence approval on policy and underwriting exception variances in addition to dollar amount concurrences. May participate in projects and initiatives to achieve strategic objectives of the organization.
Responsibilities
- Analyze, underwrite, and approve credit solutions for existing and new Treasury and card clients; approve Treasury and Card credit requests in accordance with applicable credit approval grid.
- Conduct credit analysis including financial spreads, risk rating scorecards, industry assessment, and cash flow; complete Credit Approval documentation.
- Evaluate credit worthiness and provide analysis and decisioning on whether a client should be approved for a Treasury or Card credit facility.
- Ensure underwriting complies with Bank credit policy and procedures.
- Partner with Relationship Managers, Treasury Sales Officers, and Risk teammates to assess and deliver Treasury and Card credit solutions.
- Ensure data quality of credit-related client and deal information.
- Mentor and assist junior team members as applicable.
Requirements
- Minimum of 5-7 plus years of commercial (Business Banking, Middle Market, Health Education Not For Profit, Commercial Real Estate Banking, Dealer Financial Services, Global Wealth Investment Management) underwriting and credit analysis.
- 3 plus years of commercial credit decisioning experience with approval signature authority.
- Formal commercial credit training or equivalent work experience.
- Prior experience in a high-volume production environment.
- Superior teamwork skills in the commercial market space.
- Bachelor’s degree or equivalent work experience, preferably in business administration, finance, accounting, or economics.
Desired Qualifications
- Line management and administrative experience.
- Knowledge of Treasury Cash Management products and Commercial Card.
- Prior Sales and/or customer service experience.
Skills
- Attention to Detail
- Credit and Risk Assessment
- Financial Analysis
- Underwriting
- Written Communications
- Analytical Thinking
- Credit Documentation
- Financial Forecasting and Modeling
- Recording/Organizing Information
- Business Acumen
- Collaboration
- Collateral Management
- Loan Structuring
- Prioritization
Schedule
1st shift, 40 hours per week (United States of America).