Position Summary:The Senior Credit Underwriter (VP) role is a key position in our Credit team responsible for undertaking and presenting robust credit risk analysis in support of relationship-led loan requests from our Commercial & Industrial (C&I) team.
This role will report to the Senior Credit Officer of C&I.
Standard 4-day in-office requirement, 1 day remote (of your choosing and subject to manager's approval)
Essential Functions & Responsibilities - Manage comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, industry/market, structure, management and environmental.
- Demonstrate deep understanding of credit risks and mitigants, presenting clearly and concisely in risk focused credit proposals for submission to the appropriate approval authority.
- Work collaboratively with Lending Officers throughout the transaction process, ensuring financials are complete, accurate and received in a timely manner. Attend client meetings and/or site visits as appropriate.
- Ensure all credit-related questions from the approval authority are addressed efficiently and effectively.
- Contribute effectively at Credit Committee and other Committee meetings as appropriate.
- Provide guidance and oversight for more junior credit underwriters.
- Assist in the completion of various monthly, quarterly or ad hoc reports as necessary.
- Assist in gathering information required by Bank examiners and internal audit.
- Lead ad hoc credit risk projects with limited oversight.
Qualifications & Skills:- Bachelor's degree in Business, Accounting or Finance; or equivalent experience
- Minimum 7 years in credit related field, preferably in a banking environment with C&I experience including small business banking lending and healthcare lending.
- Exhibit a strong understanding of compliance, regulations and the Bank's commercial lending policies, clearly outlining any exceptions to policy and supporting rationale in the credit proposal.
- Strong analytical / financial modeling skills
- Excellent written and verbal communication skills; collaborate with key internal and external stakeholders.
- Team player with desire to develop and coach less experienced members of the team
- Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work that you do.
Potential Salary: $150,000 - $185,000 annuallyThis salary range reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed here.
