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Small Business Sr. Underwriter

Company: Heartland Financial USA, Inc.
Location: Denver
Posted on: April 8, 2021

Job Description:

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 Policy.
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 authority.
9.--Effectively communicates loan decisions and recommendations to Business Bankers.
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 Manager.
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 conditions.
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 Manager.
2.--Directly supervises underwriters to ensure proper and consistent underwriting procedures are adhered to per credit policy.
3.--Directly manages underwriters, loan assistants and credit analyst as pertains to training, performance reviews and on going goal setting.
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 timely manner.
7.--Works with department staff on individual professional development.
REQUIRED SKILLS & EXPERIENCE:1.--Bachelor's Degree in Finance, Accounting or Business
2.--3-5 experience as a commercial credit analyst or similar environment.
3.--Experience working in a Small Business credit environment.
4.--3 + years experience making and recommending decisions on loan requests.
5.--Supervisory and Sales experience a plus.
Performance Measures:
-----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 everyone.

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 will

Keywords: Heartland Financial USA, Inc., Denver , Small Business Sr. Underwriter, Accounting, Auditing , Denver, Colorado

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