Job Summary: 

• Effectively assess credit risk when underwriting small business loan requests up to $1 million through analysis of business, primary and secondary repayment sources.
• Review of financial statements, including balance sheet, income statement, and cash flow statements with trend analysis in each area.
• Understand industry risk, current and potential for subject businesses
• Critique collateral and related secondary repayment sources including value, accessibility, and costs to obtain
• Identify opportunities to expand relationships through additional loans and other small business products
• Identify alternative financing options for the customer should when the loan request is declined.
• Properly structure loan approval following careful consideration of credit risk, relationship value, and competition.
• Provide an accept / decline / AFI decision and be accountable for it should questions be asked.
• Work to a high degree of accuracy to ensure reporting figures are accurate and timely to support the contract hire companies manage portfolio of prospects.
• Help support the team with additional tasks as required to maintain the smooth running of the office.
• Ensure prompt and professional answering of the phone and handling of queries.
• Provide a first point of contact for customer queries relating to credit ‘pre-drawdown’ for the Wholesale Finance customer base. 

Skills on Resume:

• Credit Risk Assessment (Hard Skills)
• Financial Statement Review (Hard Skills)
• Industry Risk Analysis (Hard Skills)
• Collateral Evaluation (Hard Skills)
• Relationship Expansion (Soft Skills)
• Alternative Financing (Hard Skills)
• Loan Structuring (Hard Skills)
• Accuracy and Reporting (Hard Skills)

Job Summary: 

• Researches, underwrites, prices and negotiates accounts consistent with the quality of the risk and according to the Unit's strategy, guidelines and line structures.
• Provide support to senior underwriters on underwriting analysis, policy maintenance, ensuring proper file documentation in liaison with Operations.
• Develops and maintains close and effective relationships with brokers, insurers, reinsurers and insureds, including travel to meet such stakeholders 
• Actively participate and in some cases take a lead role in external and internal meetings.
• Develop an in-depth knowledge of department products and services. 
• Assist in developing new products, process and market strategies.
• Assist department in the generation of other data and reports as applicable.
• Maintain compliance with appropriate rules, legislation, Underwriting Manuals, working procedures and other forms of best practice.
• Takes an active role in the peer review process giving constant clear feedback and being available
• Refer any matter beyond the level of an individual’s experience or authority to line manager
• Reviews daily overdrafts report and approves or recommends appropriate disposition for the overdraft, communicates with client and PRO 

Skills on Resume:

• Underwriting (Hard Skills)
• Pricing and Negotiation (Hard Skills)
• Relationship Management (Soft Skills)
• Documentation Support (Hard Skills)
• Product Knowledge (Hard Skills)
• Process Development (Hard Skills)
• Compliance Adherence (Hard Skills)
• Feedback and Peer Review (Soft Skills)

Job Summary: 

• Prepares Credit Approval Memorandum (CAM) package and written summaries, including forward looking acceptability of risks for Credit Write-up, Quarterly Asset Quality Report, to include forecast
• Annual term loan reviews for stand-alone term loans or multi-year facilities
• Communicates with client and PRO to obtain information, responsible for the accuracy of the content of these documents.
• Facilitates documentation process with Commercial Banking SVC & Support (CBSS)
• Prepares Advisement Letter for PRO
• Orders documents from CBSS for timely delivery to client
• Reviews documents to ensure accuracy as approved, prior to PRO obtaining the client's signature(s).
• Structures, determines credit covenants, and /or fine-tunes credit facilities proposed by PRO, and ensures that conform to Bank policy.
• Monitors client financial condition through review of periodic financial statements, covenant compliance, and investigation of conditions in the industry, marketplace and competition.               
• Analyzes cash flow projections and formulates alternative risk scenarios, performs other due diligence 
• Communicates with client and PRO to complete analysis.

Skills on Resume:

• Credit Approval Preparation (Hard Skills)
• Document Accuracy (Hard Skills)
• Communication with Clients (Soft Skills)
• Documentation Facilitation (Hard Skills)
• Credit Structuring (Hard Skills)
• Financial Monitoring (Hard Skills)
• Risk Analysis (Hard Skills)
• Due Diligence (Hard Skills)

Job Summary: 

• Be a primary source of contact for applicants, borrowers and referring partner organizations
• Collect due diligence items from potential borrowers, run credit checks, perform financial analysis, prepare credit memoranda and supporting materials
• Discuss the viability of credit packages with the lending team and make recommendations
• Participate with borrower compliance with financial, reporting, and advising covenants, monitor borrower financial performance, and provide analysis to the Managing Director and Director to inform risk rating
• Actively update all applications in the lending software
• Maintain electronic and hard copy files in audit-ready condition for all borrowers
• Help maintain reporting, risk rating analysis and other portfolio records
• Grow industry and sector knowledge by attending events and developing strong working relationships with clients and partners 
• Draw up simplified credit application reports as a sound basis for own decision making or decision making by risk committee take part in client meetings
• Elaborate and execute processes and procedures to ensure risk mitigation and improvement of credit decision quality
• Review findings to ensure the correct status of applications

Skills on Resume:

• Client Communication (Soft Skills)
• Due Diligence Collection (Hard Skills)
• Financial Analysis (Hard Skills)
• Risk Assessment (Hard Skills)
• Record Management (Hard Skills)
• Industry Knowledge (Hard Skills)
• Process Improvement (Hard Skills)
• Attention to Detail (Soft Skills)

Job Summary: 

• Underwrite all new business applications within approval limit, agreed SLA timescales and in accordance with the agreed Credit Policy.
• Monitoring and reporting of Service level agreements.
• Communicate effectively with Sales/Brokers on decisions and subsequent appeals.
• Collection of overdue accounts as agreed with the Underwriting & Arrears Manager.
• Monitor and stay abreast of business activities, making recommendations for improvement and development 
• Treat all customers, either internal or external in line with the Company values.
• Ensure that all Governance and Compliance requirements are adhered to and that all reporting and reviewing activities required by the Regulatory Bodies are carried out to the standards 
• Write business application (analyze financials, asset, market, legal and contractual risk)
• Deliver high level support for sales process from application to decision proposal
• Collaborate with all functionalities, sales and account management, credit and risk management and relevant third parties during credit and risk process
• Support the business units in documents handling, contracting and preparing offers, receives, processes and coordinates incoming standard applications, documentation and quote requests

Skills on Resume:

• Underwriting (Hard Skills)
• Service Level Monitoring (Hard Skills)
• Effective Communication (Soft Skills)
• Account Collection (Hard Skills)
• Business Process Improvement (Hard Skills)
• Customer Service (Soft Skills)
• Compliance and Reporting (Hard Skills)
• Collaboration (Soft Skills)

Job Summary: 

• Underwrite all consumer loan types entered into the system if a higher priority is not present.
• Provide further analysis on relationships in excess of established thresholds for Consumer products, Private Banking products, residential construction loans and portfolio mortgages.
• Analyze personal financial statements, personal tax returns, credit reports, and business tax returns to identify and analyze risks and repayment ability.
• Evaluate the adequacy of loan structure and collateral.
• Summarize findings in a Credit Center underwriting presentation which will be utilized by the designated approval authorities as a basis for the approval decision. 
• Summarize borrower’s repayment ability, potential credit risks
• Identification of loan policy exceptions and proposed improvement to loan structure.
• Summarize credit risk by providing a “Credit Admin Comment” to be included in Credit Center underwriting presentation.
• Review the retail and commercial loan file documentation for accuracy and compliance with approval and legal requirements
• Demonstrate knowledge of Heartland policy and regulatory requirements for aggregating exposure and identify appropriate approval authority for each request.
• Develop working relationships with Bankers throughout Heartland to increase the effectiveness of the Credit Center and improve turn around time.
• Possess a working knowledge of consumer lending laws and regulations and perform the steps necessary to document all loan requests as required by regulation.
• As needed, contact Banker or Senior Bank Management to discuss details of loan requests.
• Assist other Credit Center underwriters on more complex applications that require a higher level of personal and business knowledge or expertise.
• Complete annual E-Learning Plans and bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.

Skills on Resume:

• Underwriting (Hard Skills)
• Financial Analysis (Hard Skills)
• Risk Assessment (Hard Skills)
• Loan Structure Evaluation (Hard Skills)
• Credit Risk Summarization (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Collaboration (Soft Skills)
• Communication Skills (Soft Skills)

Job Summary: 

• Awarded a lending mandate (sanctioning authority) based on experience, knowledge and proven competence.
• Review “referred” consumer lending opportunities which have not met the Bank’s Credit Scoring Auto Approval Criteria, delivering timely outcomes in line with agreed Service Levels. 
• Responsible for first line review of any appealed decisions
• Underwrite lending applications within mandate and assess applications outside of mandate, seeking higher authority approvals where required by policy.
• Play a full part in the ongoing development of the broader Credit function, leveraging skills and experience to that effect.
• Review loans and applications upon receipt
• Answer underwriting questions from processors and loan officers
• Conduct the final check of conditions before final approval
• Utilize reports and other systems to manage pipelines
• Collaborate with underwriting leaders on difficult loan decisions
• Comply with all local and federal fair lending laws and net benefit requirements

Skills on Resume: 

• Lending Authority (Hard Skills)
• Credit Review (Hard Skills)
• Decision-Making (Soft Skills)
• Underwriting (Hard Skills)
• Policy Compliance (Hard Skills)
• Pipeline Management (Hard Skills)
• Collaboration (Soft Skills)
• Regulatory Compliance (Hard Skills)

Job Summary: 

• 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 the Credit Officer.
• Assist with developing and maintaining the processes used for the forgoing.
• Underwriting and risk assessment of new and repeat business
• Liaison with merchants from opportunity to funding
• Providing training & development to the underwriting team

Skills on Resume: 

• Pipeline Management (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Sales Support (Soft Skills)
• Financial Analysis (Hard Skills)
• Loan Document Coordination (Hard Skills)
• Credit Assessment (Hard Skills)
• Underwriting and Risk Assessment (Hard Skills)
• Training and Development (Soft Skills)

Job Summary: 

• Independently research and analyze company and industry data, including state, local and federal publications and newspapers.
• Participate in training to enhance financial analysis skills.
• Maintain business, collateral, Real Estate and industry knowledge through education and reading material.
• Ensure compliance with federal and state regulations pertinent
• Complete annual training in a timely manner in accordance with regulations and internal policies and procedures. 
• Maintain regular and predictable attendance.
• Completion of on-site inspections for larger transactions
• Presentation to senior management risk committee of larger transactions
• To represent the underwriting team through the wider business
• Ongoing portfolio analysis and drive the evolution of clients risk policy

Skills on Resume:

• Research and Analysis (Hard Skills)
• Financial Analysis (Hard Skills)
• Industry Knowledge (Hard Skills)
• Compliance Knowledge (Hard Skills)
• Presentation Skills (Soft Skills)
• Attendance and Reliability (Soft Skills)
• On-Site Inspection (Hard Skills)
• Risk Policy Development (Hard Skills)

Job Summary: 

• Perform credit analysis and underwrite commercial loan applications received by Relationship Managers to determine eligibility of request, ensuring compliance with First Federal Lending policies and regulatory guidelines.
• Review and evaluate credit data provided by commercial loan requests and analyze annual financial data and sources of financial information to determine profitability and qualification of loan. 
• Perform all key ratios to determine borrower/project strength and compliance with First Federal commercial credit policies and procedures.
• Analyze loan collateral including property condition reports and overall strength of the borrower/applicant. 
• Recommend the addition of collateral, guarantors, or alternative loan terms or underwriting enhancements 
• Recommend the terms of conditions and covenants of the Business Loan Agreement for each loan.
• Prepare the loan presentation document to support and evaluate the loan request, determine credit quality for loan grading purposes, make recommendations, and identify the potential risks associated with the proposed credit. 
• Discuss any adverse credit issues with the Credit Administrator.
• Define loan documentation requirements for transactions, review existing loan documentation for validity, in relation to each credit reviewed.
• Prepare final risk rating document including the assessment of the risk grade to be assigned to credit/relationship.
• Maintain current working knowledge of commercial lending industry

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Underwriting (Hard Skills)
• Financial Data Analysis (Hard Skills)
• Ratio Analysis (Hard Skills)
• Collateral Evaluation (Hard Skills)
• Risk Assessment (Hard Skills)
• Compliance Knowledge (Hard Skills)
• Communication Skills (Soft Skills)

Job Summary: 

• Provides supporting research/analysis and participates in screening of new credit opportunities.
• Reviews proposed loan structure to determine if appropriate to sufficiently mitigate and manage risk.
• Interacts with prospective and existing clients 
• Analyzes data such as business financials, industry research, personal financials, and tax returns in evaluating key risks and mitigants of credit opportunities.
• Performs independent credit analysis and risk assessment on larger, more complex credit relationships.
• Prepares written underwriting presentations for new and additional credit proposals and collaborates with Relationship Manager in presentation for approval.
• Makes independent recommendations, supported by comprehensive written analysis, regarding credit risk.
• Conducts ongoing borrower performance and trend monitoring, proactively identifying issues and developing remediation proposals for elevation to Relationship Manager and Risk Management.
• Assists with training and development of other credit underwriting staff.
• Complies with KYC, OFAC, and BSA/AML rules and regulations.
• Exercises awareness with regard to possible suspicious activity, money laundering, or fraudulent behavior and reports any such incidents to the BSA department. 
• Performs all job functions in compliance with all company policies and federal, state, and local laws and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.

Skills on Resume: 

• Research and Analysis (Hard Skills)
• Risk Management (Hard Skills)
• Client Interaction (Soft Skills)
• Data Analysis (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Written Communication (Soft Skills)
• Trend Monitoring (Hard Skills)
• Compliance Knowledge (Hard Skills)

Job Summary: 

• When requested by bank departments, prepare a credit analysis on financial information for vendors or merchant applications.
• Complete assigned credit analysis and Credit Authorization preparation within the service level standards determined for Credit Administration.
• Assist in maintaining updated financial statement ticklers and BLA reporting requirements with periodic financial statement spreading and review for risk rating of credits and compliance with financial covenants.
• Working knowledge of GAAP.
• Update Credit Admin Log on a 'throughout the day' basis to assure up to date status.
• Maintain up to date knowledge and may train others on products, services, departmental systems, and related technology, policies and procedures.
• Bring any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer.
• Follow all Bank policies and procedures to ensure compliance with all laws and regulations.
• Understand and adhere to regulatory guidelines including but not limited to FCRA, BSA, GLBA, etc. as the regulations pertain to the employee's job function.
• Assist in coordinating documents and loan closing for loans assigned to Credit Admin Department.

Skills on Resume:

• Credit Analysis (Hard Skills)
• Financial Statement Review (Hard Skills)
• Knowledge of GAAP (Hard Skills)
• Risk Rating Assessment (Hard Skills)
• Compliance Knowledge (Hard Skills)
• Attention to Detail (Soft Skills)
• Communication and Training (Soft Skills)
• Regulatory Adherence (Hard Skills)

Job Summary: 

• Review borrower submitted financial information and request additional information required to complete a detailed credit analysis.
• Spread business and individual financial statements and where applicable monitor borrower's compliance to loan covenants established in Business Loan Agreement.
• Prepare in a timely manner clear and detailed Credit Authorizations which includes an evaluation of historical trends, projections, management performance, industry performance, cash flow, capital structure and collateral analysis. 
• Identify key credit issues and policy Exceptions and recommend appropriate credit structure to mitigate identified risks.
• Perform appropriate due diligence for borrowers, guarantors, related entities, and prospects including but not limited to credit reporting and rating agencies, title reports, government and court records, internet searches, and market data.
• Stay informed of market and/or economic conditions to anticipate changes that may affect credit risk.
• Timely, accurate and effective communication to management of any potential material risks associated with existing commercial credits in the portfolio, including a recommendation for the appropriate course of action if warranted.
• Initiate the ordering of appraisal and environmental report bids and engage same once approved by Credit Administrator.
• Perform detailed review and analysis of appraisal reports and 3rd party reviewed appraisals assuring compliance with Regulations, PAP and MVB Policy.
• Prepare Credit Authorizations on Bank's most complex borrowing relationships, including any purchased loans and/or participations.

Skills on Resume:

• Financial Analysis (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Loan Compliance Monitoring (Hard Skills)
• Credit Reporting and Documentation (Hard Skills)
• Market and Economic Analysis (Hard Skills)
• Attention to Detail (Soft Skills)
• Communication Skills (Soft Skills)
• Risk Mitigation Strategy (Hard Skills)