Centennial Bank And Trust Small Business Sr. Underwriter in Denver, Colorado
Citywide Banks is a growing dynamic organization with many locations offeringuniquely different banking and financial solutions for businesses and personalclients. As a performance driven company, we strive to create a culture ofexcellence with high standards, and high values while providing outstandinggrowth and involvement opportunities for employees. Join a team that makes"Great Things Happen!"The Small Business Sr. Underwriter's primary job function is to decisionSmall Business loan requests in a timely, efficient, and consistent manner.RESPONSIBILITIES:1.Provides timely support and guidance to the Business Bankers .and. BankingCenter Managers.2.Reviews and processes all overrides to decisions made in the Small BusinessLoan Center.3.Maintains and increases the profitability of the Small Business portfolio byunderstanding the integrity of the scoring system and validating thescorecards, while ensuring compliance with government laws and regulations.4.Ensures that the application and financial information were input accurately.and. on a timely basis.5.Reviews and analyzes loan applications, financial statements/taxreturns, and other supporting documents.6.Effectively uses credit scoring software to properly process, decision,document credit requests according to Small Business Policy.7.Evaluates the FICO score and the Custom Business score to understand thebusiness and personal trends.8.Reviews the Credit Summary Authorization and render a final decision. Makesa sound credit decision within assigned credit authority.9.Effectively communicates loan decisions and recommendations to BusinessBankers.10.Ensures all service level agreements are met or exceeded.11.Evaluates validation of scorecard and works with Behavioral Analysis of theSmall Business portfolio.12.Adheres to compliance of Federal and State Regulations including,Regulation B, HMDA and CRA.13.Routes loan requests over lending authority to SBLC Manager.14.Assists Portfolio Manager with underwriting renewals as directed by SBLCManager.15.Reviews appraisals, title work, credit reports and documents foraccuracy and compliance to the loan approval terms and conditions.16.Reports policy violations and recommendations for correction to SBLCManager.17.Assists the Manager in resolving problems, compliance, loan review andinternal audit reviews.REQUIRED SKILLS .and. EXPERIENCE:1.Bachelor's Degree in Finance, Accounting or Business2.3-5 experience as a commercial credit analyst or similar environment.3.Experience working in a Small Business credit environment.4.3 + years experience making and recommending decisions on loan requests.5.Supervisory and Sales experience a plus.Performance Measures:*Service level agreements met or exceeded.*Loan turnaround goal of 48 hours met or exceeded.*Success of making decisions of a large volume of Small Business loanrequests.*Team performance.Credit Quality:*Maintain past due loans within acceptable levels.*Manage technical loan exceptions.*Recommend proper structure on all credits.*Monitor credit risk of each borrower to ensure conformity with Bank policy.Scheduled Weekly Hours:40Time Type:Full timeWe are an Equal Opportunity Employer and will consider all qualifiedapplicants for the position without regard to race, color, religion,sex, national origin, disability or protected veteran status.