SME Credit Underwriter
Location: Salt Lake City Utah
Description: Bank of the West is at present recruited SME Credit Underwriter right now, this occupation will be placed in Utah. For detail informations about this occupation opportunity please give attention to these descriptions. Requirements We currently have an opening in our Small Medium Enterprise SBA Direct Credit Department. This position will be responsible for working closely with business development officers and/or agents, selling banks/financial institutions, and borrowers, and loan processors to approve and recommend SBA loan requests from a variety of industries and businesses using bank and government policies. Generally handles loan requests of moderate complexity.
In this role you will:
- Spread and analyze business and personal financial data.
- Utilize sound credit underwriting skills to recommend a credit decision, and to prepare appropriate internal and external reports to obtain necessary bank and government agency approvals.
- Approve loans within the prescribed limits of individual lending authority. Serve as contact officer on loans that exceeds individual lending authority.
- Meet or exceed all assigned production goals and objectives.
- Negotiate, where necessary, the terms under which credit will be extended including the costs, repayment method and collateral requirements.
- Develop support information and makes loan presentations to senior credit management, when requested. Follow up on loans submitted whether recommended for approval or declined.
- Maintain excellent relationship and customer service with all agents, selling banks/financial institutions, borrowers and co-workers.
- Maintain a working knowledge of the bank’s lending policies, procedures, and philosophies toward various types of loans which may include, but is not limited to, SBA loans, commercial real estate loans and construction loans.
- Understand and promote bank philosophies, personnel, products, service,s programs, campaigns and goals to staff and public.
- Assist with special projects as needed.
- Bachelor’s degree in finance
- Three + years in banking in commercial and/or SBA loan analysis and in underwriting business loans
- Strong understanding of small business and owner-occupied commercial and real estate lending as it pertains to underwriting and loan structuring.
- Experience in financial statement analysis
- Working experience in SBA and other government-assisted lending programs, with knowledge of the SBA standard operating procedures
- Knowledge of commercial and real estate loan processing
- Knowledge of personal computer software (Microsoft Office, including Word and Excel, and related software)
- Excellent customer service skills
- Strong verbal and written communication skills
- Ability to work independently, organize and coordinate multiple tasks, and follow through to completion
- Verbal and written communication and presentation skills
- .
If you were eligible to this occupation, please email us your resume, with salary requirements and a resume to Bank of the West.
If you interested on this occupation just click on the Apply button, you will be redirected to the official website
This occupation starts available on: Sun, 26 Aug 2012 00:34:57 GMT