Commercial Credit Underwriter — Fast, Insightful Decisions

Northpoint Commercial Finance LLC; Alpharetta (GA); In loco; USD 70.000 - 110.000; Tempo pieno

Descrizione del lavoro

Northpoint Commercial Finance LLC is seeking an Underwriter in Alpharetta, GA to assess commercial loan packages and render credit decisions. The role relies on credit reports and financial statements, complemented by basic financial analysis, to determine borrower creditworthiness.

The position requires handling multiple applications, maintaining turnaround times, and writing clear loan summaries for credit managers while ensuring alignment with established policies.

Competenze

• Understanding of cash cycles, liquidity and profitability.
• Familiarity with Sole Proprietorships, Partnerships, LLCs, S-Corps and C-Corps.
• Clear, concise communication across all levels and with external stakeholders.
• Demonstrate initiative and value-enhancing improvements.
• Ability to work independently and prioritize effectively.
• Adaptability, resourcefulness, and decisiveness.

Mansioni

• Read and interpret credit reports and scores from national rating agencies and analyze their impact on credit decisions.
• Manage multiple loan applications simultaneously with a goal of completing reviews within 2–3 days.
• Collaborate with sales, account managers and legal teams to align credit decisions with policy.
• Identify when exceptions can be made to policy guidelines without compromising credit quality.
• Perform credit analysis and annual reviews using internal data and external credit reports.
• Write cogent, concise, and persuasive loan summaries for credit managers.
• Evaluate borrower performance using inventory, payment history, audits, and covenants.
• Drive process improvements to identify new initiatives and efficiencies.

Conoscenze

Financial concepts

Cash cycles

Liquidity

Profitability

Communication

Independence

Adaptability

Decisiveness

Formazione

Bachelor's degree in Accounting, Finance, Business Administration or Economics

Strumenti

Microsoft Office

Outlook

Word

Excel

Access

Descrizione del lavoro

Northpoint Commercial Finance LLC is seeking an Underwriter in Alpharetta, GA to assess commercial loan packages and render credit decisions. The role relies on credit reports and financial statements, complemented by basic financial analysis, to determine borrower creditworthiness.

The position requires handling multiple applications, maintaining turnaround times, and writing clear loan summaries for credit managers while ensuring alignment with established policies.