Commercial Loan Underwriting Officer

NPAworldwide; Tampa (FL); On-site; USD 65,000 - 85,000; Full time

Job summary

NPAworldwide in Tampa, FL seeks a banking analyst with strong accounting and credit analysis skills. This role involves advanced accounting, financial statement spreading, cash flow and tax return analysis gained through accounting/finance education or credit analysis backgrounds.

You will review lending policies, conduct underwriting support, and communicate findings clearly to customers and colleagues. A BA/BS and SBA/7(a) experience are a plus; driving may be required where applicable.

Qualifications

• Bachelor's degree or equivalent with two years related experience and/or training; or the equivalent combination of education and experience.
• Formal credit training experience preferred.
• SBA 7(a) experience is a plus.
• Registered with NMLS as a mortgage loan originator per SAFE Act.
• Intermediate knowledge of commercial loan origination, underwriting, documentation and processing.
• Intermediate knowledge of the appraisal experience.
• Basic experience, knowledge and training in all lending activities and terminology.

Responsibilities

• Advanced experience in accounting, financial statement spreading, and cash flow and tax return analysis.
• Basic knowledge of related state and federal lending and compliance laws, rules and regulations, and other Bank lending policies.
• Develop marketing and business development skills with customers.
• Read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Excellent organizational and time management skills.
• Basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet and specialty software programs.
• Intermediate typing skills to meet production needs of the position.
• Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with minimal supervision while performing duties.
• Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Skills

Accounting analysis

Cash flow analysis

Financial statement spreading

Tax analysis

Lending knowledge

Regulatory knowledge

Reading & interpretation

Time management

Communication

Problem solving

Minimal supervision

Driver's license

Education

Bachelor's degree (BA) or equivalent

Job description

• Advanced experience, knowledge, and training in accounting, financial statement spreading, and cash flow and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic knowledge of related state and federal lending and compliance laws, rules and regulations, and other Bank lending policies.
• Ability to develop marketing and business development skills with customers.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Excellent organizational and time management skills.
• Basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet and specialty software programs.
• Intermediate typing skills to meet production needs of the position.
• Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with minimal supervision while performing duties.
• Current drivers license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Job Description

• Advanced experience, knowledge, and training in accounting, financial statement spreading, and cash flow and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic knowledge of related state and federal lending and compliance laws, rules and regulations, and other Bank lending policies.
• Ability to develop marketing and business development skills with customers.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Excellent organizational and time management skills.
• Basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet and specialty software programs.
• Intermediate typing skills to meet production needs of the position.
• Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with minimal supervision while performing duties.
• Current drivers license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Qualifications

MINIMUM REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• Bachelors degree (BA) or equivalent from a 4-year college or university; minimum of two years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a lending and financial analyzing background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Formal credit training experience preferred.
• SBA 7(a) experience is a plus.
• Registered with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the SAFE Act).
• Intermediate knowledge of commercial loan origination, underwriting, documentation and processing.
• Intermediate knowledge of the appraisal experience.
• Basic experience, knowledge and training in all lending activities and terminology.

Why Is This a Great Opportunity

Small community bank. White glove service.

Salary Type

: Annual Salary

Salary Min

: $ 65000

Salary Max

: $ 85000

Currency Type

: USD