Nashville Job Post .com
Where Nashville Comes To Work ™
 
HomeNew Nashville JobsSearch Nashville JobsNashville Career CenterNashville Job Seeker AccountNashville Employers
   Advanced Search options
January 20, 2020  
  Quick Search:
Keyword:   
 

<< Back To Search Results Synovus Mortgage Corp.
View Employer Profile   -   View All Jobs By This Employer
Save Job To My Account

Commercial Underwriter II

Position Description

Job Summary:


Performs credit review of manually underwritten commercial loans. Collaborates with loan officers and may interact with customers. Seeks the advice of senior team members on more complex issues outside assigned scope. Performs research and financial and statistical analyses to determine and support client credit worthiness while minimizing risk exposure. Prepares analyses, reports and presentations for management review and regulatory reporting. Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures.


Job Duties and Responsibilities:


Performs credit review of commercial manually underwritten loans. Focuses primarily on less complex and/or large commercial loan requests.


Applies knowledge of credit/risk management processes to ensure appropriate balance between company risk and customer/client focus and relationship is maintained.


Spreads financial statements, may work with Dual Risk Rating, and may perform credit service reviews. Conducts research to determine credit quality, character and soundness including analysis of extensive statistical data and financial statements, sensitivity analysis, industry analysis, management assessment, and guarantor analysis.


Ensures the consistent use of well-supported and factual analyses and processes to determine and recommend risk ratings.


Follows standard operating procedures when preparing analyses, reports, and presentations for management review. Performs accurate spreading of historical financial statements.


Prepares prudent projections, free of repetitious spread numbers and superfluous narrative and represents a clear focus on the merits, risks, and mitigating factors accordingly.


Ensures each step of the process is in compliance with all company and regulatory guidelines, policies, procedures and methodology. Stays abreast of variations in laws across state boundaries as applicable


Works independently, but may partner with more senior analysts and loan officers to screen loan packages and collect due diligence materials. Learns to interact and provide guidance to customers and accountants. May travel to customer locations with loan officers.


Provides analytical support for developing and maintaining credit studies, financial background information and other relevant data on present and prospective customers.


Analyzes present and proposed lending and recommends optimum course of action to maximize profitability while providing a complete risk/delinquency analysis.


May work with specific lenders on portfolio management. Proactively prepares for renewals, performs calculation of borrowing bases, and monitors covenants.


Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.


Performs other related duties as required


The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.


Synovus is an Equal Opportunity Employer supporting diversity in the workplace.

Minimum Requirements


Preferred Knowledge, Skills, & Abilities:


Basic knowledge of credit risk analysis/underwriting principles, methods, practices and regulatory requirements


Basic knowledge of credit/lending systems and databases


Additional Information


Minimum Education:


Bachelor's Degree in Business Administration, Finance, Accounting or related discipline or an equivalent combination of education and experience


Minimum Experience:


Three years of job specific experience including, but not limited to, analyzing and interpreting corporate and personal financial statements and tax returns, performing diverse analyses, and preparing supporting documentation for management review


Required Knowledge, Skills, & Abilities:


Knowledge of financial accounting theory, methodology and logic


Good analytical ability and attention to detail


Excellent verbal and written communication skills


Ability to meet reasonable deadlines and prioritization of workflow


Ability to communicate effectively with clients


Ability to use work flow tool


Proficiency using Microsoft Office software products



Additional Information

Employment Type: Full-Time    
Position Location: Nashville, Tennessee


Apply For This Job: Commercial Underwriter II


 

Home   |   New Jobs   |   Search Jobs   |   Career Center   |   Links   |   My Job Seeker Account   |   Employers
Terms of Use   |   Privacy Policy   |   About Us   |   Contact Us

Copyright © 2002 - 2020 Nashville Job Post. All rights reserved.

NashvilleJobPost.com is operated by the National Career Network.
Nashville Job Post, NashvilleJobPost.com and National Career Network are trade names of Brightstone Media, Inc.