Full-Time
BCS Underwriter 4
Direct Staffing
No salary listed
Alhambra, CA, USA
In Person
Category
 Finance & Banking (1) |
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Requirements
- Bachelor’s Degree is required
- At least 10 years of professional experience
- Expert knowledge of information and data processing systems
- Expert in evaluating business and credit reports
- Expert knowledge of company policy and procedures
- Expert understanding of regulatory/compliance policy and procedure including but not limited to Fair Lending, OFAC, Flood, Regulation O, highly leveraged transactions, etc.
- Proficiency in MS Office and other system applications
- Excellent written and verbal communication skills
- Excellent organizational skills
Responsibilities
- Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness.
- Identifies recurring and non-recurring income/expenses.
- Comprehend all schedules, notes, and K-1's.
- Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis.
- Consolidates related entities and summarizes results.
- Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation.
- Determines or amends applicable loan agreement covenant and monitoring requirements.
- Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.
- Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request.
- Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.
- Performs other duties as assigned.
Desired Qualifications
- None