About the Role:

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.

What You Will Do:

• Underwrites the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner.
• Understands and applies credit policies, corporate Program Standards, and minimum underwriting standards.
• Collaborates closely with the various Business Development Officers to provide a consultative/value added credit perspective, both prior to proposal issuance and thereafter.
• Reviews and analyzes new deal packages for content and completeness.
• Orders and reviews due diligence and documentation.
• Reviews and analyzes financial statement spreads and understand cash flows.
• Reviews and understands collateral and financial trends indicated therein.
• On occasion, be willing to visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount.
• Gains a thorough understanding of the prospect's business and what is impacting the company’s growth, or declining, performance.
• Reviews reporting requirements and processing with clients.
• Analyzes debtor information in conjunction with Debtor Credit Manager.
• Prepares the credit narrative/CAR (Credit Approval Report) for appropriate approval and/or credit committees.
• Reviews the closing documentation and effectively negotiate with the prospect client, internal/external legal counsel, and/or other transaction stakeholders
• Mentors and trains analysts, and less experienced business development representatives.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree or equivalent education and work experience.
• 5+ years relevant experience.
• Business Acumen
• Customer Focus
• Collaborates
• Communication Skills
• Negotiating
• Must have the ability to self-train and quickly adapt to various IT systems and procedures, which are utilized by the business on a daily basis.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $104,000– $174,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

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