Senior Underwriter

Description

• Implement risk mitigation strategies to maintain portfolio quality.
• Educate and lead the Underwriting team to ensure accurate and efficient assessment of credit risk.
• Oversee Underwriting at both Sponsor and Loan level, Portfolio Monitoring, and Compliance.
• Provide working knowledge and input to Credit Policy, Front-End Guidance, and credit support documents.
• Produce concise, complete, consistent, and accurate work products for approval authority(s), primarily Credit Approval Documents and Underwriting Packages.
• Recruit, train, and mentor Underwriters and Credit Analysts in support of a high-performing, high morale team.
• Develop and mentor the Underwriting and Credit Analysis team.
• Foster a collaborative and inclusive team culture that encourages both innovation and continuous improvement.
• Develop and maintain effective working relationships with Sales leadership and the Sales support team.
• Partner in the development and maintenance of effective portfolio assessment, monitoring, and management processes, including problem loan identification.
• Collaborate with the compliance team to enable compliant Underwriting policies and procedures.
• Develop consistent and effective processes for both initial and ongoing Sponsor-only assessments.
• Develop efficient and timely Underwriting processes, and ongoing monitoring improvement opportunities.
• Recommend and implement the best practices as part of the Company's dedication to creating an industry-leading customer experience.
• Adhere to underwriting policies, guidelines, and procedures that align with industry standards and regulatory requirements; recommend enhancements thereof.
• Remain current with changes in regulations and translate to Underwriting operations.
• Evaluate and analyze financial statements, credit reports, and other Underwriting data to inform prudent lending decisions.

Requirements

• Bachelor's degree in finance, business, or related field.
• Leadership track record of leading and developing Underwriting and Credit Analyst teams.
• Full-time, 40 hours per week; must be available for occasional overtime.
• Exceptional interpersonal and written communication skills.
• Strong knowledge of financial analysis, credit risk modeling, and regulatory compliance.
• Proficiency in financial software and tools, including LOS, financial spreads and risk-scoring tools.
• 5+ years risk assessment and portfolio management, preferably in a financial services or lending institution.
• 5+ years proven experience in both Construction Project and Sponsor Underwriting, preferably in regulated financial institutions.

Benefits

Training + Development

Interview process

Visa Sponsorship

Security clearance