Commercial Credit Underwriter III-Small Business Healthcare

Commercial Credit Underwriter III-Small Business Healthcare

Requirements

• Undergraduate degree preferred
• 8+ years of relevant Commercial lending experience
• Proven analytical and research skills
• Prior lending authority strongly preferred
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Proven organizational, multi-tasking, analytical, time management and decision-making skills
• Ability to meet deadlines
• Strong communication skills, both verbal and written
• Strong interpersonal skills and a team orientation
• Ability to work with various levels of business partners
• Developed PC skills including proficiency and capability in word processing and spreadsheet software
• Computer literacy with a variety of software programs
• Small Business Administration/Agency experience preferred

Responsibilities

• Analyzes, underwrites and may act as the final decision authority on commercial loan applications
• Ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements
• Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits
• Underwrites loans and performs historical business financial analysis and cash flows
• Performs in-depth analysis of a guarantor’s financial position through a thorough investigation of personal financial statements
• Investigate available sources of credit and financial information
• Research economic and market conditions relating to the company, industry and market area
• Notes any deviations from the loan policy, procedures and guidelines and identification / mitigation of key credit risks
• Identifies credit applications that require credit enhancements and decision respective applications such as SBA and other agencies
• Renders final credit decision within individual lending authority limits
• Considers and discusses alternative structures and overall assessments with market, sales personnel
• Proven leadership skills including coaching, counseling and mentoring of underwriting staff
• Sets conditions of lending and involvement with shared services functions as needed to expedite loan closings
• Meets turnaround requirements of a loan production environment, while maintaining strong quality of work produced
• Maintains a satisfactory level of portfolio delinquencies and charge-offs
• Ensures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements

Preferred Qualifications

• Prior lending authority strongly preferred
• Small Business Administration/Agency experience preferred