Consumer Underwriter, Sr
BBVA Compass - Atlanta, GA

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Responsibilities

Assists and counsels originators in qualifying loans, determining borrower's needs, determining appropriate commercial loan product in light of needs, and obtaining requisite financial data. Reviews credit requests, business credit scores, business reports and consumer bureaus. Evaluates collateral adequacy, industry risk, purpose and viability of business. Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan. Determines appropriate structure and pricing in light of borrower type, industry, collateral, and risk and documenting any deviations from the prescribed structure. Assesses strengths and weaknesses of loan requests. Completes financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis. Thoroughly documents the credit request in the appropriate format. Verifies underwriting conditions and additional approval requirements are satisfied. Ensures effective communication between Relationship Managers, Loan Administration, Loan Documentation & Funding Control and other departments involved in the loan process. Strives to minimize turnaround-time while thorough documenting credit requests. Responsible for Credit File maintenance.

Qualifications

All candidates must have superior verbal, written, and organizational skills. Must be able to prioritize tasks demonstrating both management skills and ability to achieve communicated deadlines. High integrity and respect for confidentiality are invaluable. Excellent computer skills in Windows, understanding of business and personal financial statements, good phone and communication skills required. Bachelor?s degree in business related field business with emphasis in management, accounting, finance, or a related field. Candidates must have 5 plus years of previous underwriting or credit analysis experience. Formal credit or commercial loan training and some previous credit decisioning preferred. Exposure to a wide variety of commercial credits and the professional/executive market segment is preferred.

Grade 18:

Some college preferred and 3-5 years underwriting experience required. Must have superior oral and written communication skills, be detail oriented and be proficient in typing and using the computer.

Grade 20:

College degree preferred and 5+ years underwriting experience required. Must have superior oral and written communication skills, be detail oriented and be proficient in typing and using the computer.

BBVA Compass - 19 months ago - save job - copy to clipboard - block
About this company
223 reviews
The needle of this Compass points south. Compass Bancshares is the holding company for Compass Bank, which does business as BBVA Compass....