Pathward, N.A. - Underwriter II, USDA Generalist

• Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner. • Understand and apply credit policies and minimum underwriting standards. • Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective, both prior to proposal issuance and thereafter. • Review and analyze new deal packages for content and completeness and conduct initial interviews with prospects. • Order and review due diligence and documentation. • Review and analyze financial statement spreads and understand cash flows. • Review field examinations and understand collateral and financial trends indicated therein. • Visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount. • Gain a thorough understanding of the prospect's business and the company's asset conversion cycle. • Review reporting requirements and processing with clients. • Analyze debtor information in conjunction with Debtor Credit Manager. • Prepare the credit narrative for appropriate approval. • Conduct and document the pre-funding process and oversee the efforts of the Client Analyst assigned to the transaction. • Oversee closing documentation process and effectively negotiate with prospect. • Mentor and train analysts, field examiners and less experienced business development representatives. • Other duties as assigned. • Bachelor's degree or equivalent education and work experience. • 3+ years relevant experience. • Business Acumen, Customer Focus, Collaborates, Communication Skills, Negotiating • The responsibilities listed above are not all inclusive and may be changed at any time.