Senior Portfolio Underwriter
Senior Portfolio Underwriter - Buffalo, NY

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Required Skills/Competencies: Ability to provide in-depth analysis of the overall financial strength and weaknesses of each borrower through review of current and historical financial information and Baker-Hill reports Ability to exercise independent judgment within acceptable guidelines and refer exceptions to policy or procedures to supervisor Analyze collateral as a secondary repayment source to assess the secured position of the Bank Seek internal and/or external guidance on significant, complex, or unusual credit issues when necessary Interpersonal skills to develop professional relationships with senior management, co-workers, prospects, clients, auditors and intermediaries. Strong organizational skills and excellent time management to manage more than one presentation simultaneously with other activities and prioritize accordingly.
Required Experience: Bachelor’s degree in Business, Finance or Accounting Minimum of 10 years prior experience in C&I credit analysis in a banking environment. Thorough understanding of CRA, HMDA, ECOA, and other credit related banking regulations
Physical Requirements: 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 for larger, more complex deals 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.

Reporting To: Regional Credit Manager or Senior Credit manager

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 Ability to act independently with less direction from their manager while interacting with the RM’s on deal structure, deal discussions and client interaction.

Shall provide commercial loan (C&I) and commercial real estate (including construction loans) underwriting support for more complex transactions/companies 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. May be responsible (at the direction of the Regional or Senior Credit Manager) for managing credit center staff and department work flow. Includes mentoring of department staff as needed.