Senior Portfolio Underwriter
NewAlliance Bank - Service, MS

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Normal office environment with little exposure to dust, noise, temperature, etc.
  • Extended viewing of CRT screen
  • Moderate lifting up to 25 pounds
  • Must be able to sit for long periods of time
  • Job Success Factors:
    • Turnaround time of completed analysis shall complement the sales and production process
    • To state in an unbiased fashion an accurate interpretation of financial assessment of the customer
    • Shall serve as a resource concerning accrual accounting, concepts and industry trends
    • Shall seek internal and/or external guidance on significant, complex, or unusual credit issues when necessary
    Must adhere to pertinent laws, regulations, First Niagara’s Compliance Policy and external compliance requirements

    Job Description:
    Purpose of the position:

    Responsible for performing the credit analysis function relating to the team’s/division’s customer base to provide an independent evaluation to determine credit quality and appropriate structure. Interact with client base as appropriate.

    Challenges:
    • Ability to deliver in-depth accurate analysis in a sales culture
    • Ability to identify the critical issues relating to a wide variety of business types and industries
    • Help drive loan production and in meeting the internal and external customer expectations through timely completion of analysis
    Responsibilities:
    • Shall provide commercial loan (C&I) and commercial real estate (including construction loans) underwriting support as necessary for the respective credit centers
    • Shall prepare accurate, objective, and cogent credit write-ups based upon in-depth analysis of financial data within established time frames
    • Shall complete timely annual reviews identifying and explaining all relevant financial issues
    • Analyze personal financial information including personal tax returns and 3 rd party credit reports to assess guarantor support
    • Meet with RM’s to gain a clear understanding of customer’s loan request, ensure accuracy and timely responses to meet customer expectations
    • Maintain credit files in an orderly fashion in accordance with bank and regulatory guidelines
    • Make joint calls with the RM to assist in assessing capabilities of management, review of collateral support and facilities
    • Provide in-depth analysis of historical financial statements, cash flow and debt service requirements and business plans/projections

    State:
    Connecticut

    City:
    New Haven

    NewAlliance Bank - 20 months ago - save job - block
    About this company
    9 reviews
    A lot of water and a few barrels have gone over Niagara Falls since First Niagara Bank was founded. Tracing its roots to 1870, the flagship...