Senior Small Business Loan Underwriter id-3010
Job Description
We are seeking an experienced and analytical Senior Small Business Loan Underwriter to join our team at PCR Business Finance. As a Senior Small Business Loan Underwriter, you will play a pivotal role in analyzing, documenting, recommending, and presenting credit and lending services offered by our organization. Your responsibilities will include the analysis of eligible prospects, adherence to the organization’s credit policies, and collaboration with the organization’s loan processing / intake analysts and clients to complete credit memorandums. This position reports directly to the Senior Vice President & Chief Credit Officer and is crucial to the accomplishment of organizational goals and program priorities.
About PCR:
Founded in 1977, PCR Business Finance (PCR) is a private, non-profit, Community Development Financial Institution (CDFI), as certified by the U.S. Treasury and a Financial Development Corporation (FDC), which administers the State of California’s Small Business Loan Guarantee Program (SBLGP). The primary mission of PCR Business Finance is the promotion of community economic development, through the delivery of financial, educational and advisory services to underserved small business persons and communities.
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Responsibilities:
- Credit Analysis: Conduct thorough credit analysis to evaluate the creditworthiness of potential borrowers and recommend appropriate credit and lending services.
- Loan Package Development: Work closely with loan officers, processing / intake analysts and other team members to create comprehensive and sound credit memorandums that align with organizational credit standards and policies.
- Product Utilization: Utilize all of the organization's products and services to meet the small business development needs of each client.
- Collaboration: Collaborate with internal lending team to ensure a cohesive and efficient underwriting process.
- Reporting: Generate accurate credit memorandums on client loan requests for the Senior Vice President & Chief Credit Officer review and present to the relevant credit committee for loan approval.
Qualifications:
- Bachelor's degree in finance, business, or a related field or 7 years of experience in underwriting at comparable non-profit organization or conventional Bank.
- Proven experience as an Underwriter or in a similar credit analysis role. • In-depth knowledge of credit analysis, lending services, and small business development.
- Familiarity with the products and services offered by community development financial institutions (CDFIs).
- Strong analytical and problem-solving skills.
- Excellent communication and presentation abilities.
- Ability to work independently and as part of a collaborative team.
- Understanding of regulatory and compliance requirements in the financial sector.
Requirements:
- Previous experience reporting to a senior credit officer or executive.
- Familiarity with regulatory requirements and compliance in credit analysis.
- Proficient in financial analysis tools and Microsoft Office Suite.
- Ability to manage multiple tasks and priorities in a dynamic environment.
Skills:
- Thorough credit analysis and risk assessment.
- Strong business development and relationship-building skills.
- Effective communication and presentation skills.
- Analytical and problem-solving abilities.
- Collaboration and teamwork.
Salary:
- $41.00 - $48.00 per hour, depending upon experience.
If you are a seasoned professional with a strong background in credit analysis and a commitment to small business development, we encourage you to apply for this challenging and rewarding Senior Underwriter position. Join us in contributing to the success of our organization and the communities we serve.
