Underwriter III - Community Development Banking

Job Profile

* Works independently with little or no oversight. May exercise some exception and elevated approval authority. Prepares offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Provides recommendations for credit structuring. May serve as subject matter expert for certain asset classes.

* Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. May coach and/or review the work of other underwriters and fill in for manager as required.

* Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information. May perform relevant pre-approval and post-approval activities.

* Identifies and/or confirms all external regulatory requirements. Ensures internal policies/procedures are followed.

* Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.