Vacancy caducado!
DescriptionUnderwriter II (UW) is responsible for the daily underwriting of Business Lending Products within the Citizens Bank footprint up to a Total Credit Limit (TCL) of $1,000,000. The application decisions are made in a centralized environment (RELAY) utilizing Score and Streamline underwriting and credit decision approach. All application decisions are within authorized credit authority limits. The UW also provides support to field personnel as it relates to the conditions, rate, risk mitigated with SBA, financial analysis and overall lending decision.75% Credit Analysis & Stewardship-Underwrite business credit applications independently using sound judgment. Single Retail lending authority up to $1,000,000 can be granted for this position. All decisions are made while adhering to the Business Banking Credit Policy. The UW is required to review all underwriting criteria, collateral, interest rate, fees and specific due diligence required for final approval. All exceptions to policy must be properly approved by the Underwriting Manager. Credit reviews include analysis of external personal credit and business credit bureau reports and scores for the business and guarantors and all associated deposit accounts. Meet production expectations as measured by goal setting.25% Internal Colleague & Client communicationResponsible for working with Business Banking Operations Closing to move approved applications through the process for quick closings. Second looks applications are reviewed/discussed with the sales force, Credit Product Manager or closing team. The sales colleague may bring new information that can help approve a loc/loan request that was previously declined.All decisions must be made in accordance with the Business Banking Credit Policy with PM exercising independent lending authority generally up to $1,000,000 in total credit limit. Interact with internal colleagues and customers when appropriate to assess credit worthiness. Qualifications3-5 years of business lending with exhibited competency in structuring the appropriate type of loan to a business need, understand and apply credit policy, adhere to departmental procedures, identify areas of risk beyond acceptable set levels, recommend appropriate restructure of loans not performing in accordance with acceptable underwriting standards as outlined in credit policy. EducationBachelor's Degree. Equivalent work experience may be considered as an alternative to formal degree program completion. Competencies:
Accountability I
Analytical Thinking II
Cross-Functional Collaboration II
Effective Communications I
Financial Analysis II
Knowledge of Loan Underwriting I
Lending Processes & Standards II
Managing Multiple Priorities I
Relationship Management I
Working With Microsoft Office II
Hours and Work ScheduleHours per week: 40Work Schedule: Monday-Friday 8:00am to 5:00pmWhy Work for UsAt Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.Equal Employment OpportunityIt is the policy of Citizens Bank to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.Equal Employment and Opportunity Employer/Disabled/VeteranCitizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries.
Vacancy caducado!