Senior Business Underwriter - Remote Job Tucson Arizona USA,Finance & Banking

Salary range is $62,707.71-$82,303.87
. Job Grade, EX 13. Final salary is dependent on candidate's experience and qualifications.

Remote work is not available for candidates residing, or planning to reside in: AK, CA, CO, CT, DE, DC, HI, LA, ME, MA, MD, MN, MT, NJ, NY, OK, OR, PA, PR, RI, SD, VT, WA or WI.

Responsibilities

Assist, direct and counsel Relationship Managers in qualifying loans, determining borrower's needs, determining appropriate commercial loan product, and obtaining requisite financial data.

Structure transactions by being open minded and creative while balancing the risk/reward rather than concluding immediately that the deal cannot be done. Provide direction and ideas/suggestions on how to market our structure to the member.

Utilize excellent credit underwriting skills to author well thought out and concise financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis of relationships using appropriate structure and identifying key risks.

Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Strive to minimize turnaround-time while thoroughly documenting credit requests.

Provide leadership in the market by being a positive contributor to the team and embracing change.

Manage and monitor the credit risk profile in the commercial portfolio.

Demonstrate excellent communication skills both internally and externally between Members, Relationship Managers, Loan Administration, Loan Documentation & Funding Control and other departments involved in the loan process.

State opinions in a clear, concise manner and be able to defend positions with Senior Management.

Work with Enterprise Risk Management to review or address loan file quality, audit exceptions and assist or lead meetings with State of Arizona and NCUA Federal examiners.

Mentor junior underwriters as needed to support the underwriting team and Business Banking Department.

Perform other duties as assigned.

Qualifications

Minimum Education & Experience

Bachelor’s Degree in Business, Accounting, Finance or related field or equivalent experience
3 years of commercial real estate underwriting experience

Additional Preferred Education & Experience

Formal credit training experience is preferred

Knowledge & Skills

Must display professionalism and possess excellent (verbal and written) business communication skills
Requires strong active listening, problem solving and a high-level of independent decision making skills
Must have the ability to work independently and be proficient in Microsoft Office (Word, Excel, and Outlook)
Advanced knowledge of commercial credit policies and regulations, loan documentation, bankruptcy and related legal and compliance issues is necessary
Familiarity with SBA underwriting and documentation requirements is a plus
Ability to communicate with upper management and external regulators

Competencies

Business Acumen
Command Skills
Drive for Results

Working Conditions

This job requires standing or sitting for the majority of the time and the ability to lift up to 10 lbs.

Other Requirements

Must comply with all aspects of the Bank Secrecy Act and SAFE Act.

Major Accountabilities & Tasks

Assists, directs and counsels Relationship Managers in qualifying loans, determining borrower's needs, determining appropriate commercial loan product, and obtaining requisite financial data.

Structures transactions by being open minded and creative while balancing the risk/reward rather than concluding immediately that the deal cannot be done. Additionally, you will provide direction and ideas/suggestions on how to market our structure to the member.

Utilizes excellent credit underwriter skills to author well thought out and concise financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis of relationships using appropriate structure and identifying key risks.

Works proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Strives to minimize turnaround-time while thoroughly documenting credit requests.

Provides leadership in the market by being a positive…


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