Commercial Underwriter Sr

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD,  Scottsdale, AZ,  Troy, MI,  Franklin, TN,  Dallas, TX

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.  We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success.  We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. 

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, and affect a smooth transition to Account Executives.

What You Will Do:

• 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.

What You Will Need:

• Seasoned, experienced professional with a full understanding of area of specialization. Resolves complex 
  problems; takes a new perspective on existing solutions. Fully qualified career-oriented, journey-level 
  position.
• Develops solutions to complex problems where analysis of situations and/or data requires evaluation.
• Determines best approach to achieve results and provides suggestions to improve policies and procedures.
• Demonstrates good judgement in selecting methods and techniques for obtaining solutions. Networks with 
  senior internal and external contacts in own area of expertise.
• Receives very little instruction on day-to-day work. May receive general instruction or guidance on new 
  projects or assignments.

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

Salary range: $99,501.91 – $183,764.31

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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