Business Banking Underwriter III

Job description

Overview: Evaluate, monitor, and assess the credit risks of larger, more complex Business Banking credit relationships with total bank exposure of >$3MM through financial statement and tax return analysis, industry assessment, collateral valuation, cash flow analysis, and ability to repay annual debt service. THIS ROLE IS ONSITE 4 days IN OFFICE AND CAN BE BASED OUT OF ONE OF OUR AVAILABLE OFFICE LOCATIONS IN BUFFALO NY, TIMONIUM MD, GREATER NYC AREA or BRIDGEPORT, CT. Primary Responsibilities: · Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval. · Manage the ongoing credit risk of existing loans through continuous credit monitoring activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating on annual reviews, PLRs, and interim event memos. · Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal history, industry research and peer data. · Analyze financial inf...