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Business Banking Ops Underwriter PM III

Business Banking Ops Underwriter PM III

Job Description


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. 


Job Requirements


  • Bachelor's degree in Business Administration, Finance, Accounting and/or Economics preferred; Master's a plus
  • Successful completion of formal commercial Credit Training Program
  • 10+ years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices
  • Expected to have some level of credit and documentation experience
  • Must be skilled in proposing and negotiating and approving credit and covenant structures
  • Must demonstrate practical and conceptual knowledge of credit and risk analysis
  • Equivalent work experience may be considered as an alternative to formal degree program completion
  • 10+ years banking experience which may include business banking, middle market and/or specialty commercial banking, commercial banking administration, commercial client sales and service, commercial banking operations, commercial credit/risk oversight, and commercial loan documentation/funding/servicing
  • Exhibits superior level of knowledge of financial analytical, loan structuring, commercial products, credit, risk and administration practices and processes
  • Able to maintain good communication across business unit and broader organization
  • Comprehensive verbal and written communication skills, able to multi task and function under pressure to meet deadlines, strong organizational skills, customer service, developed influencing and negotiation skills.

Competency Areas:

  • General knowledge in financial modeling and able to structure credit in modeling environment
  • Able to assist RMs on how to structure the credit relationship
  • Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to Bank
  • Superior understanding of industry nuances applicable to the credits contained within group’s portfolio
  • Superior knowledge of loan and related legal documents
  • Strong communication skills; and ability to influences others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions

Hours and Work Schedule


Hours per Week:   40
Work Schedule:    Monday-Friday 8:00AM-5:00PM


Equal Employment Opportunity


It is the policy of Citizens Bank of Pennsylvania to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

Equal Opportunity Employer – Minority/Women/Disabled/Veteran

Job Snapshot

Employment Type Seasonal/Temp
Job Type Retail
Education 4 Year Degree
Experience Not Specified
Manages Others Not Specified
Industry Other Great Industries
Required Travel Not Specified
Job ID 409533
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Business Banking Ops Underwriter PM III


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