• Manages all pending tasks daily using department communication methods for application due diligence completion and file build parameters.
• Maintains quality and quantity of work that falls within established standards.
• Communicates with other departments, Independent Sales Organization (ISO) partners, and merchants via email/phone
• Ensures all company and departmental guidelines/policies are followed.
• Updates Management on issues of concern that may cause a significant financial or service impact on the department and/or company.
• Manages time efficiently, meets personal and departmental goals and works effectively within the team.
• Maintains composure during high volume, high-stress situations.
• Performs thorough due diligence on all assigned tasks to reduce the potential loss due to incorrect entry, fraud, financial conditions, or identity theft.
• Accountable for thoroughly researching and data entering applications in company systems for newly acquired accounts added to the portfolio
• Searching internal systems for duplicate or existing accounts.
• Learn and understand the Merchant Credit Underwriting Policy, as well as follow guidelines and considerations included.

Skills: Task Management, Quality Assurance, Effective Communication, Compliance Adherence, Issue Reporting, Time Management, Stress Resilience, Due Diligence

• Lead the development of the unit in the market, and ensure delivery of the business plan in accordance with stated risk tolerances and underwriting strategy
• Contribute to and participate in initiatives to share and develop strategy, knowledge, and best practices
• Represent business unit as part of broader team
• Support the development and enhancement of the global technology platform
• Underwrite trade credit insurance risks in accordance with business plan and in compliance with delegated authority including risk and credit analysis, quote, negotiation, bind, issuance and policy servicing
• Establish and strengthen relationships with clients, Brokers, industry bodies, business and consortium Partners, and colleagues to establish market presence, maximise influence and achieve business objectives
• Develop and trade credit policy wordings in accordance with regional market standards and within regulatory guidelines
• Provide excellent service and prompt turnaround to client and Broker requests

Skills: Business Development, Risk Underwriting, Tech Enhancement, Credit Expertise, Client Relations, Industry Liaison, Policy Compliance, Client Service

• Analyze factoring applications and credit quality for all new clients.
• Recommend proposed pricing and structure.
• Communicate with inside sales team after reviewing new client applications and credit information.
• Analyze client and customer credit information to determine credit worthiness.
• Provide current information on industry trends.
• Provide final approval for transactions $100,000.00 and under.
• Work with operations staff to redocument existing customers.
• Check all credit application documentation for new applications is correct and adherence to credit policy is met and to ensure full compliance with current legislation and regulatory requirements.
• Provides input to the monitoring and validation of the assigned client risk rating
• Performs deal screens with Manager or Team Leader and PROs. 
• Submit mortgage applications and borrower information through an automated underwriting system

Skills: Factoring Analysis, Pricing Recommendation, Sales Communication, Credit Evaluation, Industry Trends, Transaction Approval, Documentation Compliance, Risk Monitoring

• Support lending staff in the identification and assessment of business-purpose loan opportunities.
• Complete financial statement analysis, spreads, projections, personal cash flow analysis, consolidated cash flow analysis, and risk grade documentation.
• Demonstrate mentoring regarding loan structure, eligibility, credit issues and underwriting to members of the commercial banking department.
• Assist in the evaluation of loan requests by performing initial underwriting and risk grade analysis in preparation for approval.
• Perform industry research and assessment when needed by the VP, Commercial Credit Officer.
• Identify problem loans and direct this to the VP, Commercial Credit Officer in a timely fashion.
• Support the VP, Commercial Credit Officer in NCUA Examinations and CUNA Risk Assessments
• Monitor Special Asset credits and work with Commercial Credit Officer to develop and execute viable exit strategies and business plans.
• Develop a network for information exchange with other financial institutions to ensure best practices.
• Develop and refine underwriting and analysis tools for Commercial/Industrial, Commercial Real Estate, and other business purpose loans.
• Ensure and manage the portfolio for accurate loan documentation, exception issues, and loan processing in accordance with NCUA regulations and standard operating procedures and Allegacy Lending policy.
• Completion of all required compliance training to include BSA.
• Represent the company in the communities served by actively participating in civic affairs and local and professional organizations to enhance the company image.

Skills: Loan Assessment, Financial Analysis, Loan Mentoring, Underwriting Support, Industry Research, Problem Identification, Compliance Management, Network Development

• Evaluate customer needs and assess sources and uses of cash and appropriately structure debt within credit policy parameters while fully mitigating exceptions to policy.
• Spread financial statements in Bank software and analyze output, analyze trends, ratios, cash flow, and changes in the balance sheet and synthesize information to ask questions and present pertinent info in credit presentations.
• Understand differences in industries and geographic locations and the impact of micro and macroeconomic events as may impact a particular customer or group of customers.
• Understand industry metrics and compare performance and risk status.
• Calculate financial ratios, cash flow, debt service, etc. and understand the materiality of each borrowing situation.
• Provide support for lending officers, Credit Manager and Senior Management 
• Understand and apply Bank appraisal policy and administration in a consistent manner. 
• Order property evaluations and reviews of evaluations and appraisals.
• Participate in training opportunities as presented.
• Maintain regular and reliable attendance.
• Perform related duties and responsibilities as required including assisting with special projects and requests from Senior Management.

Skills: Financial Statement Analysis, Credit Policy Compliance, Trend and Ratio Analysis, Industry and Geographic Impact Assessment, Financial Ratio Calculation, Lending Support, Appraisal Policy Application, Property Evaluation Coordination

• Knowledge of credit risk analysis and underwriting principles, methods, and practices.
• Proficiency in using Microsoft Office applications to include Word and Excel, as well as other database application systems. 
• Strong Excel skills 
• Strong written and oral communication skills 
• Demonstrated ability to make persuasive arguments 
• Previous Underwriting/Loan Decisioning and/or Credit Analyst/Admin experience 
• SBA underwriting or related experience
• Ability to work independently and within a team

Qualifications: BA in Risk Management with 4 years of Experience

• Accounting and financial analysis skills
• Established knowledge of financial accounting theory and logic, loan structuring, commercial products and services.
• A proven ability to interpret and discuss analytical data and make credit recommendations to Senior Management and/or Risk Management on strategic issues or initiatives.
• High level of accuracy, organization skills and attention to detail 
• Excellent credit analysis, accounting, and mathematical skills
• Ability to handle pressure and remain adaptable in a fast-paced, changing work environment. 
• Ability to assume responsibility and accountability for decision making  
• Demonstrated ability to work effectively and independently, as well as work in teams and interact effectively with all levels of bank personnel and outside contacts.
• Ability to deal with the public, in person and by the telephone, in a personal and professional manner.
• Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.

Qualifications: BA in Business Administration with 4 years of Experience

• Excellent verbal and written communication skills 
• Ability to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel
• Ability to develop and maintain a working knowledge of First Federal policies, procedures, and systems.
• Ability to complete a high volume of work efficiently and with accuracy.
• Experience in a small business/commercial lending environment.
• Established knowledge of financial accounting theory and logic, loan structuring, commercial products and services.
• A proven ability to interpret and discuss analytical data and make credit recommendations to Senior Management and/or Risk Management on strategic issues or initiatives.
• Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.
• Ability to complete a high volume of work efficiently and with accuracy.

Qualifications: BA in Economics with 3 years of Experience

• Advanced knowledge of commercial credit underwriting policies, procedures, and processes.
• Advanced knowledge of BSA, AML, KYC, and OFAC.
• Excellent analytical skills.
• Excellent written and verbal communication skills.
• Proficient in Microsoft Office applications (Word, Excel, & Outlook).
• Familiarity with legal documents.
• Ability to be a self-starter looking to be part of a team developing a business
• Ability to be detailed oriented.
• Experience working in commercial credit analysis and commercial underwriting.
• Previous experience with Commercial and Industrial Loans as well as Commercial Real Estate Loans in the banking industry 

Qualifications: BA in Accounting with 7 years of Experience

• Excellent communication skills in writing and in person and the ability to influence at all levels
• Thorough understanding of accounting (ability to read and interpret a balance Sheet) information and credit appraisal
• Strong ability to build and maintain relationships at all levels
• Excellent time management / organisational skills with ability to manage multiple projects
• Must exhibit a commitment to continuous improvement
• Desire to work within an ambitious team and provide customers with an excellent service
• Proactive and tenacious with winning mentality, both independently and as part of a team
• Ability to work in a fast-paced time driven environment as part of an ambitious team
• Intermediate level proficiency with Microsoft Word, Excel, and Outlook

Qualifications: BA in Finance with 5 years of Experience