| Description: |
Responsibilites:
Manage and supervise credit department team, which includes credit application processing, credit submission to lenders and negotiating terms and interest rates
Possess good judgment, ability to accept responsibility and handle confidential information
Analyze and review CBR’s including but not limited to Experian, Paynet, D&B
Demonstrate sound judgment in the analysis of required documentation while mitigating risk through appropriate decision making
Make assessments relative to credit risk ratings
Assess financial capacity of any guarantor and determine link with business
Analyze business and personal credit documentation
Obtain and review corporate documents including Articles of Inc, tax returns and other Secretary of State files
Establish and improving upon current partner relationships
Evaluate loan decisions on applications to ensure no opportunities are missed and decisions follow procedures and policy
Full understanding of the loan funding process and how it connects with the credit department
Skills:
Minimum of 5 years credit supervisory experience
Minimum of 5 years underwriting experience, working directly with lenders
Strong understanding of corporate structures, PayNet, Experian, and other CBRs
Read and understand P&L reports, balance sheets, tax returns, etc.
Possess good judgment, ability to accept responsibility and handle confidential information
Strong time management skills, finance, documentation, and communication skills
Thorough knowledge of underwriting standards
Ability to manage multiple teams/ tasks, work well under pressure and prioritize workload
Must be detail oriented and possess effective organizational skills
Ability to play detective as an Underwriter to make ensure information accuracy
Knowledge of MS Office, Word, and Excel |