Underwriter II - Holistic Credit & Loan Expert

Pathward; United States; Hybrid; USD 72,000 - 120,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward is hiring for a Loan Underwriter to manage the full underwriting lifecycle across a spectrum of lending products. You will ensure timely decisions, apply credit policies, and collaborate with Business Development Officers to deliver credit perspectives before and after proposals.

The role requires 3+ years of underwriting experience, strong credit analysis, and excellent communication. Pathward offers a hybrid working model with opportunities across multiple onsite locations in the

Qualifications

• Bachelor's degree or equivalent education and work experience.
• 3+ years relevant underwriting experience.
• Strong analytical and credit assessment skills.

Responsibilities

• Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner.
• Understand and apply credit policies and minimum underwriting standards.
• Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective, both prior to proposal issuance and thereafter.
• Review and analyze new deal packages for content and completeness and conduct initial interviews with prospects.
• Order and review due diligence and documentation.
• Review and analyze financial statement spreads and understand cash flows.
• Review field examinations and understand collateral and financial trends indicated therein.
• Visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount.
• Gain a thorough understanding of the prospect's business and the company's asset conversion cycle.
• Review reporting requirements and processing with clients.
• Analyze debtor information in conjunction with Debtor Credit Manager.
• Prepare the credit narrative for appropriate approval.
• Conduct and document the pre-funding process and oversee the efforts of the Client Analyst assigned to the transaction.
• Oversee closing documentation process and effectively negotiate with prospect.
• Mentor and train analysts, field examiners and less experienced business development representatives.
• Other duties as assigned.

Skills

Business Acumen

Customer Focus

Collaborates

Communication Skills

Negotiating

Education

Bachelor's degree or equivalent education and work experience

Job description

Pathward is hiring for a Loan Underwriter to manage the full underwriting lifecycle across a spectrum of lending products. You will ensure timely decisions, apply credit policies, and collaborate with Business Development Officers to deliver credit perspectives before and after proposals.

The role requires 3+ years of underwriting experience, strong credit analysis, and excellent communication. Pathward offers a hybrid working model with opportunities across multiple onsite locations in the