Who you are:As a
Central Credit Underwriter III your opinion matters. You will be responsible for approving or declining consumer credit requests with underwriting authority of $750,000 to $1,000,000 or commercial credit requests with underwriting authority of $1,000,000 to $3,000,000. More than that, this role is about building relationships and providing top-quality service and doing so with integrity, caring, and excellence in mind.
What you'll do:- Analyze financial data, including balance sheets, income statements, and other financial information to determine the credit worthiness and financial conditions of borrowers
- Ensure appropriate credit documentation and loss mitigation by working closely with sales staff and documentation preparation area
- Provide consistent underwriting and documentation of files to comply with internal and external rules and regulations
- Assist with career development/education of sales staff
- Function as team lead, training and mentoring Underwriter I and Underwriter II; perform supervisory functions in absence of department supervisor
- Assist and support credit supervisor in developing ongoing training requirements; lead team training as requested
- Represent department at internal and external functions
- Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes
What you'll need: - Bachelor's degree preferably in Business, Finance, Accounting, or Economics, or equivalent experience
- 3+ years of experience in Lending, preferably within underwriting
- Demonstrated experience successfully training and mentoring peers in underwriting processes
- Proven record of success in an underwriting environment
- Ability to underwrite loans using global cash flow models
- Ability to source reasons for positive or negative trends within financial statements
- Excellent written and verbal communication skills
- Proficient in Microsoft computer applications
Our Benefits:At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:
- Medical, dental, vision, long-term disability, and life insurance
- 401(k) matching
- Generous holiday and paid time off schedule
- Tuition reimbursement
- Extensive health and wellness programs, including our Employee Assistance Program
- Referral bonus program + more!
