Business Banking Ops UW PM IV

Underwriting And Portfolio Management Position

The Underwriting and Portfolio Management position is responsible for reviewing and managing loan requests under Commercial Credit Policy up to TCL $15MM. The role emphasizes adherence to credit policy, financial analysis, risk evaluation, and proper loan structuring. The position is responsible for underwriting and recommending for approval to Credit Officers within SLAs and meeting production requirements. Expected high degree of technical competency in credit analysis.

The Underwriting and Portfolio Management position will independently interact with Senior Management, Sales Team, and Credit Officer to discuss and resolve risk related issues. The role independently reviews financials, proposed loan structure, collateral and due diligence and makes recommendations of new money requests for approval. The role aggressively seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated.

The responsibilities include evaluating the appropriateness of loan structure with Relationship Managers to meet client needs for new loans while ensuring the Bank's credit risk profiles are maintained. The role assures compliance with Commercial Credit Policy and Risk Acceptance Criteria. The role applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively.

The role exhibits knowledge of various types of loan terms, structures, and conditions and understanding of loan documentation. The role consistently adheres to all regulatory compliance requirements. The role accurately tests covenants and recognizes events of default while providing recommendations on strategy and action planning. The role effectively supports high quality credit file documentation in a paperless environment.

Qualifications include 7+ years of experience and exhibited high degree of technical competency in various aspects of commercial lending / portfolio management. The role exhibits comprehensive written and verbal communication skills. Experience with financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices is required. The role must demonstrate practical and conceptual knowledge of credit and risk analysis.

Education : Bachelor's Degree. Preferred : Master's Degree. Hours per Week : 40. Work Schedule : Monday thru Friday.

Equal Employment Opportunity Citizens provides equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status / parenthood, medical condition, military or veteran status, national origin, pregnancy / childbirth / lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and / or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.