Private Loan Underwriter III, Bank Officer
Credit Underwriter in The Private Bank Group. This involves the complete preparation of Credit Approval Reports for credit approval on high net worth individuals in the Private Bank; other portfolio management related issues; and Real Estate Reviews. Also includes the assurance that credit proposals adhere to established guidelines, are of good quality, approvals are timely, and financial information is accurately analyzed and properly documented. The group is especially involved in Commercial Real Estate Lending such as retail shopping centers and office buildings, averaging $5mm to $10mm in loan size. Demonstrated communications and negotiation skills by coordinating the loan structure, terms, and conditions with the Private Bankers and the respective clients.
- Prepared and organized Quarterly Risk Management Meeting materials for Senior Management to discuss criticized/work out credits.
- Improved the monitoring process by implementing proactive processes in the collection of financial information, which greatly reduced the tickler exception report. Ensured timely, accurate, preparation and submission of periodic risk management reports to Credit Administration. Managed overdrafts and delinquent accounts. Maintained delinquency average of .8% or less.
- Received many Best Shot and Team Shot Awards (25) for service excellence as an individual as well as team performance. Demonstrated leadership skills by providing assistance, and mentoring to other newly hired Credit Underwriters in the department, as well as assistance to the Private Bankers and Assistants.
- Participated in business development activities by identifying cross-sell opportunities in client group, and in client calling initiatives with the Private Banker and/or as the lead on assigned clients.