Credit Officer II - Vice President
Commercial Loan Underwriter for commercial investment real estate group with $1 million Individual Lending Authority. Underwrite commercial loans investment real estate deals with loan exposure up to $3 million, to assess risk, set structure, pricing & negotiate new and renewal credit facilities for Business Banking, Commercial and Industrial Banking, and Wealth clients while adhering the Bank's credit policies to ensure sound credit quality. Coordinate team efforts, from underwriting to documentation/closing to ensure a smooth process for the customer.
- Effectively partner with sales leadership to achieve segment related production and profitability goals while managing risk parameters. Able to underwrite risk while recognizing the need for a balance of loan and deposit/fee growth, profitability and customer retentions while gaining line support for credit quality goals.
- Mentor less experienced Credit Officers and Underwriters to answer questions and do second level review of their underwriting analysis for accuracy and adherence to Credit Policy.
- Top producing underwriter in terms of number of loans underwritten and overall dollar volume while still maintaining loan quality.