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Commercial Credit Underwriter Lll
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- The Small Business Credit Officer III acts as the final decision authority on small business loan applications while following sound lending practices, policies and procedures.
- The Small Business Credit Officer III ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements including but not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable Anti-Money-Laundering policies.
- Assesses analysis prepared by underwriters for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision; including historical financials, business and personal cash flow analysis, applications data, review of credit bureau and business bureau reports / Fair Isaacs Scoring Data, management profiles, and application data
- Notes any deviations from the small business loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk
- Renders final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / Fair Isaacs Scoring Data, management profiles, business/product cycles, industry information, projected operating performance, application data and the ability to repay the proposed debt
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