Credit Underwriter analyzing credit worthiness and financial statements for customers. Part of a team supporting credit decisions for a joint venture involving Toro dealers and distributors.
Responsibilities
Analyze and monitor credit worthiness of assigned customers/accounts
Recommend and/or approve credit within established guidelines
Analyze financial statements and complete ratio and trend analysis of statements
Underwrite high quality credit narratives in support of new and existing loans
Review and analyze various transactions
Perform collateral analysis including accounts receivable, inventory, real estate and investments
Run credit reports and gather/analyze KYC information
Prepare written recommendation for loan approval and present to loan committee
Requirements
Bachelor’s degree in Finance, Accounting, Business or related field
2+ years wholesale/commercial credit underwriting experience
Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength
Experience in lending to a wide variety of industries, loan types, and sizes of companies being preferred
Strong written/verbal communication and presentation skills
Demonstrated ability to make sound business judgments while protecting the interests of the bank
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