Senior Commercial Credit Underwriter & Decisioning Lead

Rockland Trust; Brockton (MA); Vor Ort; USD 90.000 - 130.000; Vollzeit

Zusammenfassung

Rockland Trust is seeking a Commercial Credit Approval Officer to underwrite and decision commercial loan proposals within their lending authority. You will collaborate with front line colleagues and customers to gather documents, apply underwriting guidelines, and structure loan proposals for sound risk management.

The role requires strong financial analysis, credit judgment, and knowledge of regulatory requirements, with opportunities to mentor colleagues and support the underwriting function

Qualifikationen

• Bachelors’ degree in Accounting and/or Finance.
• 3+ years of experience in financial analysis/business lending.
• 2+ years with credit approval authority.
• Strong knowledge of available credit enhancements including SBA and Capital Access.
• Deep understanding of lending related compliance and regulatory issues.
• Thorough understanding of the legal documentation requirements for basic business loans.
• Experience developing credit policies, guidelines, and/or processes is beneficial.

Aufgaben

• Underwrite and decision commercial loan proposals within assigned lending authority or recommend decisions for requests exceeding authority.
• Collaborate with front line colleagues and customers to obtain required documents and clarifying information.
• Identify and apply credit policies, judiciously recommending approval of reasonable exceptions within risk tolerance.
• Properly structure loan proposals to balance simplicity and monitoring ease with credit conservatism.
• Proactively counter-offer SBA guarantees or other credit enhancements to meet customer needs while mitigating risk.
• Mentor and assist in the professional development of junior credit colleagues and back up the underwriting manager.
• Stay conversant with banking laws, regulations, and credit policy/guidelines to ensure compliance.
• Collaborate with Business Banking and Commercial Banking Partners throughout the loan origination process.
• Develop and sustain partnerships with front line and back office colleagues through clear communication and urgency.
• Participate in audits, regulatory exams, and other reviews and assist in responses.

Kenntnisse

Credit analysis

Credit judgment

Complex credit decisions

Business acumen

Regulatory knowledge

Communication skills

Legal documentation

Ausbildung

Bachelor's degree in Accounting or Finance

Jobbeschreibung

Rockland Trust is seeking a Commercial Credit Approval Officer to underwrite and decision commercial loan proposals within their lending authority. You will collaborate with front line colleagues and customers to gather documents, apply underwriting guidelines, and structure loan proposals for sound risk management.

The role requires strong financial analysis, credit judgment, and knowledge of regulatory requirements, with opportunities to mentor colleagues and support the underwriting function