Commercial Underwriter

Agility 360 is searching for an Commercial Underwriter who will be tasked with a variety of duties and responsibilities.The Commercial Underwriting Officer plays an integral role in the loan approval process by providing credit decision makers with in-depth risk analysis to make informed credit decisions for the bank. Other duties include: Underwriting and handle documentation for a variety of large and complex loan requests from assigned Lines of Business. They are responsible for monitoring credit exposure for assigned relationships, including renewals, reaffirmations and annual risk ratings.

Responsibilities

• Identify and analyze inconsistencies and inaccuracies in customer data, including spreads, aging's, projections and other financial documents.
• Ensure complete and thorough analytical narrative and commentary on requests and provide recommendations on structural enhancements to mitigate risk or help win business.
• Evaluate strengths and weaknesses within each credit request and escalate risks and other issues to the Manager of Commercial Underwriting and/or Relationship Manager or Portfolio Manager.
• Calculate loan covenants and assist with tracking on complex transactions in conjunction with Credit Support Center teams for assigned relationships. Follow-up with Relationship
• Manager or Portfolio Manager on violations and provide recommendation for waiver, modification or cure.
• Investigate title searches, surveys and Uniform Commercial Code searches as requested by the Manager of Commercial Underwriting or Relationship Manager/Portfolio Manager. Work with Portfolio Manager and loan closing team as needed to resolve issues.

Qualifications / Skills

• Education & Professional Experience: Bachelor's Degree required. Completion of a Commercial Credit Training program or 18+ months of commercial underwriting, credit and/or lending experience
• Critical Thinking Skills: Ability to identify, analyze, and resolve problems. Adaptable to change and has the ability to make independent decisions.
• Judgment and decision-making authority on daily work assignments. Demonstrated ability to work autonomously to perform required work assignments. Maintains a positive approach to the resolution of issues and is considered trustworthy by both peers and the management team. Carefully evaluates an impact of own actions to Company, investors, employees, and self and confirms course of action with management team regarding high visibility or sensitive issues.
• Customer Service Skills: Use of clear, concise and effective and strong oral communication; accurately composes written materials as required by the position. Handle confidential information in a responsible manner. Ability to convey thoughts in a focused and concrete manner.
• Multi-Task Ability: Willingly adds value to the team, shares information freely among the team, and communicates with others in a direct, honest, and open manner, while maintaining others’ dignity. Works with management to build a strong cohesive team environment where every individual is valued. Ability to prioritize and handle multiple tasks
• Communication: Possesses clear and professional verbal and written communication skills when used both internally and externally. Effectively presents accurate information to varying audiences.
• Initiative: Seeks ways to contribute to the success of the team and company overall. Uses failures/mistakes as opportunities to learn and correct, anticipates issues, and moves to resolve them.
• Accountability: Takes ownership of one’s accounts/duties and ensures that issues under their purview are resolved timely and in accordance with departmental standards.
• Technical Proficiency: Knowledge of MS Word, Excel, and PowerPoint

Details

• Long-Term Contract Role with a Growing Company
• Location: Austin, Texas
• Hourly Pay Rate: Salary Commensurate with Experience
• Employment consideration is contingent on passing a background/drug screening