Senior Portfolio Manager Underwriter CI
Senior Portfolio Manager Underwriter CI
Posted on :
06-04-2025
Employer Active
1 Vacancy
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Job Description
SUMMARY
Underwrites new and renewal credit requests including but not limited to working capital lines of credit assetbased lines of credit commercial real estate loans (Owner Occupied) equipment financing and business acquisitions from moderatetocomplex enterprises with revenues greater than $5 million. Collaborates with Relationship Managers to prescreen new opportunities and manage an assigned portfolio of existing relationships.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Analyze business industry financial data and other supporting credit information concerning an applicants credit request; identifies key business and financial risks that may impact the repayment prospects by the borrower; derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement.
- Prepare timely concise and accurate credit recommendations with limited supervision or revision. Includes: 1 quantitative components within the underwriting narrative documenting the credit analysis; 2 accurate use of risk rating scoring models both quantitative and qualitative rating elements to ensure customers and loans are properly riskrated; 3 accurate identification and mitigation of all exceptions to policies exceptions) procedures and compliance regulations; and 4 accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s).
- Monitor borrower financial performance in line with commercial and/or real estate loan documents; spreads financial statement and/or ensures required financial statements are spread in accordance with Sunwest Bank Guidelines and resulting covenant calculations are accurate complete and adhere to approval conditions and loan documentation. Collaborates with Relationship Managers to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
- Partners with Relationship Managers to offer insights into customer financial needs including opportunities identified during review including potential cross sell opportunities. May also offer opinions related to a loan structures effectiveness to mitigate risks appropriate to prevailing competitive market environment and Sunwest Bank risk tolerances.
- May help review the work of other commercial underwriters or credit analysts.
- Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities knowledge may be gained through coursework and onthejob training. Keeps up to date on regulation changes.
- Follows all Sunwest Bank policies and procedures compliance regulations and completes all required annual or jobspecific training.
- Maintain a working knowledge of Sunwest Banks written policies and procedures regarding Bank Secrecy Act Regulation CC Regulation E Bank Security and other regulations as applicable to this job description.
- May be asked to coach mentor or train others and teach coursework as subject matter expert.
- Actively learns demonstrates and fosters the Sunwest Bank corporate culture in all actions and words.
- Takes personal initiative and is a positive example for others to emulate.
- May perform other duties as assigned.
ADDITIONAL RESPONSIBILITIES
- Demonstrates high degree of professionalism in communication attitude and teamwork with customers peers and management
- Demonstrates high level of quality work attendance and appearance
- Adheres to all Company Policies & Procedures and Safety Regulations
- Adheres to local state and federal laws
- Understands and complies with all company rules and regulations
- Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions as they apply to your position and job responsibilities with an emphasis on the BSA/AML/CIP Consumer Privacy Regulation CC Information Security Bank Protection Act FACTIdentity Theft Information Technology and GLBA.
- Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position does not have supervisory responsibilities
MINIMUM QUALIFICATIONS
- Bachelors degree in Business Finance Accounting or equivalent work experience
- 710 years of commercial underwriting/credit analysis experience or relevant lending experience required.
- Advanced analytical and problemsolving skills.
- Advanced credit and credit quality skills including accounting financial statement spreading and cash flow analysis experience; ability to train and present to small and large audiences or has the interest in learning to train and present.
- Demonstrated time management skills reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.
- Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
- Possess excellent written verbal interpersonal and presentation skills including ability to train and present to small and large audiences or has the interest in learning to train and present.
- Advanced knowledge of credit policies procedures practices and documentation.
COMPETENCIES:
- Adaptability
- Communication
- Decision Making
- Initiative
- Innovation
- Motivator
- Organization
- Professionalism
- Results Orientated
PHYSICAL DEMANDS: In general the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differentlyabled individuals to perform the essential functions of the job.
- Standing walking and squatting less than fifty percent of the work shift
- Required to lift move and carry up to 40 pounds
- Ability to read count and write to accurately complete all documentation and reports
- Must be able to see hear and speak in order to communicate with employees and other customers
- Specific vision abilities include close vision distance vision peripheral vision depth perception and ability to adjust focus
- Manual dexterity required using hands to finger; handle feel and type; reach with hands and arms
WORK ENVIRONMENT: In general the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differentlyabled individuals to perform the essential functions of the job within the environment.
- The workspace is clean orderly properly lighted and ventilated with the proper safety compliance
- Noise levels are considered moderate
#SWB90
Sunwest Bank Is an Equal Opportunity Employer
Sunwest Bank works with staff members and customers without regard to race ancestry national origin sex marital status age religion medical condition handicap disability or veteran status and to assist the Bank in maintaining its Affirmative Action Program.
Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter and it is intended that Sunwest Bank through the purposeful efforts of its employees and officers are expected to make every resolute attempt to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate.
Attend and complete all required classroom computerbased webbased and seminar training. It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with Sunwest Banks Code of Ethics and Conduct. Each employee is also expected to maintain an awareness of the laws regulations internal policies and procedures that are appropriate for his/her position
Note: The preceding job description has been designed to indicate the general nature and level and work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties responsibilities and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.
SWB123
Required Experience:
Manager
Employment Type
Full Time
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