Pathward, N.A. - Commercial Underwriter Senior (Equipment Finance)
Requirements
• Business Acumen • Must have the ability to self-train and quickly adapt to various IT systems and procedures, which are utilized by the business on a daily basis.
Responsibilities
• Underwrites the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner. • Understands and applies credit policies, corporate Program Standards, and minimum underwriting standards. • Collaborates closely with the various Business Development Officers to provide a consultative/value added credit perspective, both prior to proposal issuance and thereafter. • Reviews and analyzes new deal packages for content and completeness. • Orders and reviews due diligence and documentation. • Reviews and analyzes financial statement spreads and understand cash flows. • Reviews and understands collateral and financial trends indicated therein. • On occasion, be willing to visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount. • Gains a thorough understanding of the prospect's business and what is impacting the company’s growth, or declining, performance. • Reviews reporting requirements and processing with clients. • Analyzes debtor information in conjunction with Debtor Credit Manager. • Prepares the credit narrative/CAR (Credit Approval Report) for appropriate approval and/or credit committees. • Reviews the closing documentation and effectively negotiate with the prospect client, internal/external legal counsel, and/or other transaction stakeholders • Mentors and trains analysts, and less experienced business development representatives. • Other duties as assigned. • Bachelor's degree or equivalent education and work experience. • 5+ years relevant experience. • Business Acumen • Communication Skills • Must have the ability to self-train and quickly adapt to various IT systems and procedures, which are utilized by the business on a daily basis. • The responsibilities listed above are not all inclusive and may be changed at any time.
Benefits
• The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more. • Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law. • Don’t have everything listed under qualifications? If you’re excited about this role but your • experiences don’t match exactly to everything in the posting, we encourage you to apply • anyway. You may be just the right candidate for this or other Pathward roles. Pathward is • an equal employment opportunity employer and considers candidates for roles without regard • to their race, sex, national origin, ethnicity, age, disability or any other category protected by
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