Commercial Underwriter Senior (CRE Construction / USDA)

Responsible for underwriting loans in a timely manner, resulting in an acceptable level of credit risk and an appropriate risk return relationship. Facilitate the booking of new loans, ensuring customers understand our company's requirements and their responsibilities. Manage the entire underwriting process through closing and affect a smooth transition to Account Executives. Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner. Understand and apply credit policies and minimum underwriting standards. Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective, both prior to proposal issuance and thereafter. Review and analyze new deal packages for content and completeness and conduct initial interviews with prospects. Order and review due diligence and documentation. Review and analyze financial statement spreads and understand cash flows. Review field examinations and understand collateral and financial trends indicated therein. Visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount. Gain a thorough understanding of the prospect's business and the company's asset conversion cycle. Review reporting requirements and processing with clients. Analyze debtor information in conjunction with Debtor Credit Manager. Prepare the credit narrative for appropriate approval. Conduct and document the pre-funding process and oversee the efforts of the Client Analyst assigned to the transaction. Oversee closing documentation process and effectively negotiate with prospect. Mentor and train analysts, field examiners and less experienced business development representatives. Other duties as assigned.