Hybrid Credit Underwriter | Remote WFH

Job Overview

Join our esteemed organization as a Credit Underwriter and become an integral member of our dynamic team. We pride ourselves on fostering an innovative environment where your contributions are recognized and valued, setting the stage for significant career advancement.

Benefits

As a forward-thinking company that transcends the limitations of traditional banking, we offer a competitive compensation package ranging from \(70,000 to \)108,000, contingent upon your experience, alongside a performance-driven bonus potential of up to 20%. Our comprehensive benefits package underscores our dedication to your professional and personal success and includes:

• Health Coverage: Medical, dental, and vision insurance
• Retirement Planning: Immediate access to a 401(k) plan with employer matching
• Financial Security: Life and disability insurance for peace of mind
• Flexible Options: Health savings and flexible spending accounts
• Work-Life Balance: Paid time off and remote working opportunities
  
  

Company Culture And Values

We take pride in promoting an inclusive and empowering culture where every team member’s contributions are acknowledged. Our commitment to high ethical standards and integrity not only drives our success but also fosters a vibrant workplace that goes beyond employment—it's a fulfilling lifestyle.

Career Growth Opportunities

In this role, you will not only enhance your skills but also open doors to career progression within a rapidly evolving commercial lending landscape. We prioritize your professional development and ensure that your efforts contribute to both personal and organizational growth.

Key Responsibilities

• Analyze credit requests for commercial inventory loan financing, carefully evaluating the associated risks.
• Review business financial performance by examining balance sheets, income statements, and cash flow patterns, alongside key financial ratios and metrics.
• Assess the character and credibility of owners and guarantors as an essential part of the evaluation process.
• Present credit requests, detailing the necessary conditions for approval and required loan documentation.
• Prepare comprehensive credit narratives for both new and returning clients, focusing on risk assessment, financial capability, principal experience, guarantor support, industry insights, and economic trends.
• Conduct in-depth financial statement analysis, assessing ratios and measuring credit risk.
• Scrutinize consumer credit and third-party business reports to guide decision-making.
• Determine required documentation, including guarantees, UCCs, and additional collateral.
• Perform periodic assessments of customer relationships to validate risk ratings and financial stability.
• Engage collaboratively with prospective and existing customers and liaise with internal departments such as sales, operations, and legal.
• Manage ancillary duties as needed, including system verification, documentation reviews, training, and reporting.
  
  

Required Skills

• Bachelor’s degree in Business, Accounting, or Finance
• A minimum of three years of pertinent credit experience
• Strong capability to analyze financial statements and tax returns, including trend, ratio, and cash flow assessments
• Comprehensive understanding of secured lending documentation, such as UCCs, Purchase Money Security Interests, Intercreditor Agreements, and Letters of Credit
• Exceptional written and verbal communication skills, with a precise attention to detail.
  
  

We invite you to apply for this opportunity to join a company that prioritizes innovation, professional growth, and customer-centric values. Take the next step in your career with us today!

Employment Type: Full-Time