Vacancy caducado!
Plano 2 (31062), United States of America, Plano, TexasSmall Business Underwriter IISummary:We're looking for driven individuals that combine great credit discipline with balanced decision making and customer focus to join our Small Business Lending team as a Small Business Underwriter. The SB Underwriter II role underwrites and approves small business loan requests with Maximum Potential Exposure of up to $5 Million (new loan requests or renewals), and maintains up to $500,000 individual commercial loan authority for secured and unsecured loans. As an experienced member of a high performing team, Underwriter II individuals are expected to serve as subject matter experts, help pursue the SB Lending agenda with special projects, and help coach other individuals in the team (e.g. Underwriter I and Credit Analyst roles).We need underwriters that not only bring solid commercial underwriting experience to continue to push the underwriting team’s capabilities and high rigor in credit risk management; but also are innovative and adaptive to the needs of this dynamic space.Responsibilities:Underwrites, performs renewals or reviews of loans up to $5MM.Underwrites and approves, conditions, or declines new loan requests, renewals and annual reviews up to the limit of his/her commercial loan authority in accordance with Capital One Bank loan policy and portfolio performance objectives. Maintains up to $500,000 in commercial loan authority for secured and unsecured loans.Underwrites and then recommends approval on loan requests that are in excess of his/her commercial loan authority. These requests are submitted to either an Underwriting Manager or Credit Officer for final approval.Provides outstanding service to business bankers and branch managers. Works with Small Business Bankers in structuring loan requests in a manner which will best mitigate lending risks while meeting borrower needs.Delivers a great overall customer experience working closely with the Business Loan Advocates that are accountable of the end to end loan process from application to funding.Recommends commercial loan risks rating grades as part of the loan underwriting process, annual reviews, other interim reviews.Ensures appropriate application of all bank and line of business policies and procedures; supporting and driving adherence to regulatory compliance requirements.Is proactive about identifying and delivering improvements in our Small Business policy, underwriting, and/or risk management, and performs special project work as appropriate.Contributes to department training. Helps coach other individuals in the team (e.g. Underwriter I and Credit Analyst roles).Basic Qualifications:At least 5 years of experience in credit administration, loan underwriting, commercial lending or a combination.Preferred Qualifications:Bachelor's DegreeCompletion of a formal credit training or credit underwriting.At this time, Capital One will not sponsor a new applicant for employment authorization for this position.No agencies please. Capital One is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [email protected] . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.For technical support or questions about Capital One's recruiting process, please send an email to [email protected] One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).
Vacancy caducado!