Business Lending Underwriter II: Impactful Credit Analysis

Origin Bank; Shreveport (LA); Presencial; USD 70.000 - 100.000; Tempo integral

Resumo da vaga

Origin Bank is seeking a skilled business underwriter to evaluate loan applications up to $3 million, ensuring compliance with policies and lending laws. You will analyze income, debt, DSC ratios, and financial statements to determine repayment ability.

The role emphasizes credit evaluation, risk assessment, and collaboration with lenders and support staff to maximize profitability while minimizing risk. A four-year degree and at least five years of underwriting experience are required.

Qualificações

• Bachelor's degree from a four-year college or university.
• Minimum five years' experience as a business underwriter or equivalent.
• Strong financial statement analysis and credit assessment abilities.
• Knowledge of lending policies and procedures.

Responsabilidades

• Evaluates loan applications up to $3 million for business purposes.
• Analyzes income and DSC ratios to assess repayment ability.
• Spreads and analyzes financial statements and tax returns.
• Prepares cash flow analyses and collateral valuations.
• Reviews financial info using trend/ratio analysis for larger credits.
• Decisions loan applications for approval, conditional approval, or denial.
• Evaluates credit scores and payment histories.
• Provides guidance on loan policy requirements and covenants.
• Builds relationships with lenders and support staff.
• Focuses on underwriting larger, more complex credits.

Conhecimentos

Financial analysis

Debt analysis

Credit evaluation

Communication

Formação

Bachelor's degree (B.A.) from four-year college or university

5+ years' experience as a business underwriter

Ferramentas

Microsoft Excel

Microsoft Word

Descrição da vaga

Origin Bank is seeking a skilled business underwriter to evaluate loan applications up to $3 million, ensuring compliance with policies and lending laws. You will analyze income, debt, DSC ratios, and financial statements to determine repayment ability.

The role emphasizes credit evaluation, risk assessment, and collaboration with lenders and support staff to maximize profitability while minimizing risk. A four-year degree and at least five years of underwriting experience are required.