Small Business Sr. Underwriter
Company: Heartland Financial USA, Inc.
Posted on: April 8, 2021
Employment at Heartland Financial USA, Inc. is employment at
will Heartland Financial USA, Inc. is a growing dynamic
organization with many locations offering uniquely different
banking and financial solutions for businesses and personal
clients. As a performance driven company, we strive to create a
culture of excellence with high standards, and high values while
providing outstanding growth and involvement opportunities for
employees. Join a team that makes "Great Things Happen!"---The
Small Business Sr. Underwriter's primary job function is to
decision Small Business loan requests in a timely, efficient, and
consistent manner. Secondary role is to manage, coach and mentor
credit analyst, underwriters and/or support
staff.RESPONSIBILITIES:1.--Provides timely support and guidance to
the Business Bankers & Banking Center Managers.
2.--Reviews and processes all overrides to decisions made in the
Small Business Loan Center.--
3.--Maintains and increases the profitability of the Small Business
portfolio by understanding the integrity of the scoring system and
validating the scorecards, while ensuring compliance with
government laws and regulations.
4.--Ensures that the application and financial information were
input accurately & on a timely basis.
5.--Reviews and analyzes loan applications, financial
statements/tax returns, and other supporting documents.
6.--Effectively uses credit scoring software to properly process,
decision, document credit requests according to Small Business
7.--Evaluates the FICO score and the Custom Business score to
understand the business and personal trends.
8.--Reviews the Credit Summary Authorization and render a final
decision. Makes a sound credit decision within assigned credit
9.--Effectively communicates loan decisions and recommendations to
10.--Ensures all service level agreements are met or exceeded.
11.--Oversees the override process and helps gather information for
reports to management.
12.--Manages validation of scorecard and works with Behavioral
Analysis of the Small Business portfolio.
13.--Manages adherence to compliance of Federal and State
Regulations including, Regulation B, HMDA and CRA.
14.--Routes loan requests over lending authority to SBLC
15.--Assists Portfolio Manager with underwriting renewals as
directed by SBLC Manager.
16.--Reviews appraisals, title work, credit reports and documents
for accuracy and compliance to the loan approval terms and
17.--Reports policy violations and recommendations for correction
to SBLC Manager.
18.--Assists the Manager in resolving problems, compliance, loan
review and internal audit reviews.
SUPERVISORY RESPONSIBILITIES:1.--Directly supervises the Credit
Analyst to ensure proper input of financial information into custom
lender. Monitor post closing staff as needed or directed by SBLC
2.--Directly supervises underwriters to ensure proper and
consistent underwriting procedures are adhered to per credit
3.--Directly manages underwriters, loan assistants and credit
analyst as pertains to training, performance reviews and on going
4.--Works jointly with SBLC Manager and Heartland Financial' s
recruitment team to hire the most qualified and talented
individuals to fill open positions.
5.--Provides information and on-going feedback to department staff
regarding expectations and performance.
6.--Addresses and resolves all performance concerns and issues in a
7.--Works with department staff on individual professional
REQUIRED SKILLS & EXPERIENCE:1.--Bachelor's Degree in Finance,
Accounting or Business
2.--3-5 experience as a commercial credit analyst or similar
3.--Experience working in a Small Business credit environment.
4.--3 + years experience making and recommending decisions on loan
5.--Supervisory and Sales experience a plus.
-----Service level agreements met or exceeded.
-----Loan turnaround goal of 48 hours met or exceeded.
-----Success of making decisions of a large volume of Small
Business loan requests.
-----Team performance.Credit Quality:
-----Maintain past due loans within acceptable levels.
-----Manage technical loan exceptions.
-----Recommend proper structure on all credits.
-----Monitor credit risk of each borrower to ensure conformity with
Bank policy.Scheduled Weekly Hours:40Time Type:Full time Full time
21-0467 About Us At Heartland Financial USA, Inc., we seek those
who are lifelong learners, creative thinkers and have an
inquisitive mind. If you thrive on challenges and look forward to
new opportunities that build positive relationships while providing
exceptional results, Heartland is the place for you.
We want you to discover your unique potential and limitless
professional possibilities while working with us. Heartland is a
diverse and inclusive workplace creating an environment where work
feels like a second home. Everyone, regardless of their role, will
feel accepted, supported and equally involved. What makes our team
so great is the value Heartland places on individualism and
appreciation for the differences each employee offers. We're a
growing team committed to creating a valued workplace for
Our leaders are actively engaged and committed to providing a
positive and professional work environment. They are dedicated to
helping you grow and develop your career. We work closely with our
employees to strategize individual professional development plans,
performance goals and professional development opportunities.
Recognizing and rewarding hard work, developing talent and
fostering employees for the next stages of their career is what you
can expect as a member of our team. We grow, when you grow.--
Our work family is extremely important to us and at Heartland we
strive to ensure our employees are happy, engaged and evolving!
Help us continue to build an exceptional team that lives our
mission statement every day of enriching lives one customer,
employee and community at a time. Member FDIC --- Equal Housing
Lender Employment at Heartland Financial USA, Inc. is employment at
Keywords: Heartland Financial USA, Inc., Denver , Small Business Sr. Underwriter, Accounting, Auditing , Denver, Colorado
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