The Underwriter IV position is responsible for reviewing, underwriting and decisoning within delegated lending authority, loan requests under credit policy. Underwriting and decisioning should be based on sound credit with particular emphasis on adherence to credit policy and requirements, bank’s risk culture, financial analysis/modeling, risk evaluation and mitigation and proper loan structuring. Position is responsible for underwriting and decisioning within delegated lending authority, within SLAs and meeting production requirements.
The Underwriter IV will independently interact with Senior Management, Sales Team, Credit Products Officer, Credit Officer and/or GRG, in order to discuss and resolve risk related issues. UW II independently reviews financials, proposed loan structure, collateral and due diligence, makes recommendations and approves New Money requests within delegated lending authority. Aggressively seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated.
The UW IV will also be responsible to complete annual review/renewal and/or modifications associated with new money requests.
The UW IV will perform the functions of the position with periodic oversight and is expected to perform with reasonable to general supervisory intervention. They will be responsible for underwriting the most complex relationships within the group.