• Identify, gather, and review financial information to determine borrower risk ratings and appropriate loan structuring
• Analyze borrower financial statements and tax returns with emphasis on the cash flow of underlying investment real estate
• Prepare credit memos for approval within assigned limits or for submission to credit administration, making appropriate recommendations
• Handle administrative transactions such as ownership structure changes, partial reconveyances etc.
• Assess and communicate risks to support risk mitigation strategies
• Provide adverse actions according to proper regulatory guidelines
• Proactively communicate the loan decision to the Commercial Loan Officers, Specialists and Processors
• Proactively communicate with external business partners (including brokers and credit analysts)
• Assist and counsel originators in qualifying loans, determining borrower's needs, determining appropriate commercial loan product in light of needs, and obtaining requisite financial data
• Guide and coach all Commercial Lending employees on underwriting questions

Skills: Financial Analysis, Risk Assessment, Credit Memo Preparation, Administrative Transaction Handling, Risk Communication, Regulatory Compliance, Loan Decision Communication, Underwriting Guidance

• Join team as successfully evaluate, select, negotiate and price assigned policies in order to insure a profitable book of business within an established underwriting authorities
• Gather and assess appropriate risk information from branch offices and internal sales departments and accept or decline submissions based on suitability of risk and market availability
• Utilize loss control and risk management practices in the underwriting process
• Determine eligibility for policy renewals based on guidelines and retention goals of the company
• Establish an underwriting discipline to minimize exposure and appropriately price risks including leveraging risk controls and claims in managing accounts and pre-qualification of prospects
• Develop ability to make operational decisions with some level of supervision and guidance on complex risks
• Keep an ongoing awareness and understanding of the marketplace
• Develop and maintain a professional relationship with brokers to enhance understanding of the target market and to contribute to high quality service, problem solving and risk selection
• Develop and maintain a knowledge and understanding of company operations and procedures

Skills: Policy Evaluation, Risk Assessment, Negotiation Skills, Underwriting Practices, Renewal Eligibility Determination, Risk Management, Market Awareness, Broker Relationship Management

• Develop a working knowledge of all prospective opportunities through the Pipeline Process.
• Develop a working knowledge of a Relationship Manager’s portfolio, upcoming renewal, and review requirements by monitoring the maturity and review coming due reports.
• Assist in the sales proposal process, including accompanying the Relationship Managers on customer and prospect calls.
• Requires approval preparation including financial analysis of the borrower, completion of the Analytical Modeling, Industry analysis and research, and the collection and review of all required collateral and due diligence information.
• Loan document preparation supervision, including third party document coordination, completion, review, and loan booking.
• Provide the first tier of commercial credit to Credit Officer.
• Assist with developing and maintaining the processes used for the forgoing.
• Manage pipeline capacity and generate performance reporting that is presented to the shareholders and management board.
• Understanding how to put a deal and credit paper together along with underwriting commercial secured and unsecured loans.

Skills: Pipeline Management, Relationship Portfolio Monitoring, Sales Proposal Assistance, Financial Analysis, Loan Document Preparation, Commercial Credit Provision, Process Development, Performance Reporting

• Lead the underwriting process, develop credit recommendations, and ensure agency/bank compliance.
• Conduct detailed economic and market research to determine the feasibility of transactions.
• Review third-party reports, including profit-loss statements, balance sheets, and bankruptcy statements.
• Analyze and calculate cash flows and valuations.
• Use independent judgment to identify present and future risks or mitigants.
• Review hotel leases/purchases and prepare synopses.
• Write and prepare loan proposals and underwriting/due diligence packages.
• Taking customers through their loan applications, building up strong rapport.
• Establishing flexible funding solutions for businesses that have had limited access to capital from first tier lenders.
• Perform credit viability assessment with an evolving credit decision policy as the business appetite develops.
• Risk based calculations on future growth aspirations and personal guarantee coverage
• Analysis of individual’s assets and liabilities, business balance sheets, profit & loss statements, cash flow projections, land registry, Credit safe, Equifax ratings and seasonal requirements.
• Co-ordinated a revised application process refining sanction response efficiencies.

Skills: Underwriting Leadership, Credit Recommendations, Compliance Assurance, Economic and Market Research, Financial Statement Analysis, Cash Flow and Valuation Analysis, Risk Identification, Loan Proposal Preparation

• Make and communicate credit decisions and documentation requirements within assigned limits and consistent with FPC Credit Policy on lease applications, assignments and NPA contracts 
• Support business unit’s growth and portfolio quality through underwriting customer and vendor (third party) relationships.
• Prepare formal presentations/ write-ups for customers and program requests for review by senior management.
• Analyze, adjudicate, and recommend credit decisions with in assigned authority. Transactions primarily range in size from $250M to $1MM. 
• Support transactions in excess of $1MM for review by appropriate authority.
• Responsible for conducting new vendor program reviews and annual updates to existing programs. 
• Familiar with various elements of vendor programs to cover business risks from a credit, operations, and portfolio servicing perspective.
• Ensure timely review of assigned transactions and credit facilities for new requests. 
• Work closely with business development to structure and adjudicate credit requests.
• Coordinate with business development to complete annual reviews/ modifications to existing vendor programs and support new program development.
• Mentor and guide junior credit staff on new credit requests and vendor programs.
• Interact with other departments within the business unit to address appropriate credit, documentation, and program issues.
• Regular and predictable attendance and punctuality.

Skills: Credit Decision Making, Underwriting, Formal Presentation Preparation, Transaction Analysis, Vendor Program Review, Risk Assessment, Credit Request Structuring, Mentorship

• Commercial Property and Casualty Underwriting experience
• Working towards CIP Designation and MGA experience 
• Ability to exercise sound judgment in risk selection
• Strong decision making skills and ability to bring creativity to underwriting risks
• Strong business development and sales experience desired
• Knowledgeable insurance professional
• Develops and maintains productive working relationships with peers, clients, and industry networks
• A strong work ethic, good organizational skills and the ability to work within a team environment.
• Strong communication skills: written and verbal including presentations
• Strong time management skills, goal oriented, and self-directed
• Proficient in MS Office: Word, Excel, PowerPoint and Outlook
• Experience with TAM or Policy Works broker management systems

Qualifications: BA in Economics with 5 years of Experience

• Experience credit or Business Banking underwriting 
• Proficiency in mathematical concepts, in order to apply to practical situations.
• Knowledge of advanced accounting principles and techniques
• Experience with progressive finance or underwriting.
• Bilingualism in French and English is an asset.
• Strong customer service, communication, and interpersonal skills.
• High attention to detail, and an innovative mindset for problem solving.
• Ability to work in a fast-paced environment with changing priorities.

Qualifications: BA in Marketing with 3 years of Experience

• Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
• Exceptional credit and analytical skills.
• Highly developed communication skills including the ability to write clear and concise credit correspondence.
• Capability to independently and proactively manage various relationships and effectively manage multiple priorities.
• Ability to advocate persuasively.
• Highly proficient in Moody’s software and cash flow analyses.
• Expertise in financial computer applications (primarily Microsoft Excel) and database management tools
• Commercial credit underwriting and/or portfolio management experience. 
• Related commercial underwriting or lending experience may also qualify
• Strong financial and analytical skills.

Qualifications: BA in Business Administration with 7 years of Experience

• Underwriting experience in P&C and Bond
• Service oriented with excellent communication and presentation skills
• Competent in MS Office (Excel, PowerPoint, Word)
• Good organizational and interpersonal skills.
• Strong oral and written communication skills in order to effectively communicate with co-workers and customers about the financial institution's loan programs and policies.
• Good knowledge of Microsoft Office Products including Word, Excel, and Office 365. 
• Working knowledge of D+H Financial Analyzer and Credit Manager.

Qualifications: BA in Commercial Law with 5 years of Experience

• Strong technical multi-line underwriting skills
• Strong knowledge of Property/Casualty business and products.
• Business Acumen understands products, financials, objectives and service requirements.
• Analytical, Problem Solving & Decision Making manages own work
• Takes responsibility for decisions and actions, quantitative reasoning, critical thinking skills.
• Teamwork & Collaboration establishes strong relationships and networks within the Enterprise and externally.
• Communicates and Effectively Influences Others strong interpersonal, verbal and written communication skills.
• Transactional Sales Skills, and strong negotiation skills.
• Strong organization and Time Management Skills 
• Ability to manage multiple tasks, prioritize and work effectively in a fast paced, decision oriented environment.
• Solid Business and Financial Acumen understands business objectives and responds to related issues
• Ability to assimilate change.
• Automation Platform Skills Strong automation skills, including MI tools, rating systems/platform, Word, Excel, Outlook, etc.

Qualifications: BA in Business Management with 4 years of Experience