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Consumer Lending Underwriting Team Lead

Arroyo Grande, CA

Post Date: 07/11/2017 Job ID: 15076 Industry: Banking

We are searching for a Lead Consumer Lending Underwriter for a banking client in the Arroyo Grande  area.  If you are qualified and interested in applying for this position please contact Ronald Childs  at 619-528-8434 or by email  Ronald@sdistaffing.Com.   Below is additional information about this great opportunity. 

The  Consumer Lending Underwriting Team Lead  is responsible for underwriting and risk analysis of credit requests within assigned business line. Performs independent, objective, and detailed financial and collateral analysis of credit requests. In collaboration with relationship manager, responsible for structuring transactions, developing credit recommendations, and loan portfolio monitoring including covenant compliance. Independently classifies loan performance and recommends risk rating. Completes credit applications as assigned. Performs annual reviews as required on all credit relationships. Notes significant trends and recommends policy changes if necessary. Collaborates with stakeholders on credit related matters to ensure expeditious processing and improve client experience. Within designated business lines and according to established policies and procedures, senior levels may be granted lending authority as assigned.

Responsibilities will include and are not limited to the following:
  • Conducts detailed, independent financial and collateral analysis on credit requests.
  • Evaluates business plans, projections, operating records, and financial statements.
  • Evaluates all types of collateral in relation to feasibility of transaction, market/industry conditions and loan structure.
  • Supports conclusions based on factual data.
  • Effectively communicates information and analytical results to stakeholders.
  • In collaboration with the relationship manager identify risks/mitigants of loan structure and participates in discussions with credit risk as required.
  • Identifies risks associated with each loan and mitigations to risks. Generates and recommends risk ratings.
  • Interprets and applies Bank policies, governmental regulations, and accounting theory.
  • Prepares reports and analyses in areas such as budgets, forecasts, financial plans, governmental requirements, statistical reports, cash flow projections, and business forecasts.
  • Performs industry research in various market areas to support transaction.
  • Participates on client calls and/or client relationships with relationship managers as assigned.
  • Responsible to work on the most complex credits requiring in-depth evaluation of complex business plans, projections, operating records, and financial statements. Assesses credit risk, and generates and recommends appropriate risk ratings. Performs annual reviews and prepares credit applications on the largest and most complex credits.
  • Works on special projects requiring expert knowledge as required. Capable of leading team efforts, training, and assisting with workflow management as assigned.
  • Acts  as team lead and may have direct reports. Carries out supervisory responsibilities in accordance with the Bank's policies and applicable laws. 
  • Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; managing and appraising performance; coaching and development; addressing complaints and resolving problems.
  • May participate on client calls with relationship manager, within assigned business unit.

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3717 Camino Del Rio South, Suite 100
San Diego, CA 92108
Phone #: (619) 528-8434 -or- (888) 528-8367
Fax #: (619) 528-8498