Responsibilities will include credit underwriting of small and middle market products for Pitney Bowes. As a credit underwriter you will review lease, loan, and revolving lines of credit applications and credit history. You will also need to verify income and debt information .
-Underwriting of small business flow transactions in a fast-paced environment.
-Transactional underwriting and due diligence to determine whether applicants meet the criteria for creditworthiness.
-Spread and analyze financial statements of public and private companies to assess cash flow, profitability, liquidity, debt load, capital position, etc., and assessing financial condition through use of financial ratios and other tools.
-Document findings and recommendations in a well-organized credit write-up in accordance with credit authority.
-Pull credit bureaus and understand and interpret credit bureau scores and data (Moody's, S&P, D&B and Equifax) in formulating the company’s credit risk.
-Business and personal financial & credit analysis and identifying risks and mitigates.
-Negotiate structured approvals where appropriate using down payments, payments in advance, guarantees, and shortened terms.
-Work closely with Sales and Client Support to ensure all customer queries are handled in a prompt and professional manner.
-Engage in client interviews and discussions pertaining to the client’s financial profile and business.
-Ability to understand pay history screens, cash applications, delinquencies, and write-offs pertaining to existing clients.
-Perform periodic credit line renewal write-ups and recommend renewal, increase, or decrease, and ensure customer is assigned appropriate risk rating.
-Reviewing each application for compliance with federal and state regulations, including fair lending laws.
-Ability to work flexible hours during peak business cycles.
-Reports to the Chief Risk Officer
Your background:
As a Commercial Credit Underwriter you have:
-A four-year Bachelor's degree or professional accounting qualification.
-2-3 years’ experience in credit underwriting and experience in a similar role in a bank, financial institution, or leasing environment is desirable.
-Experience working with complex credits.
-Well-developed written and verbal communication skills.
-Strong knowledge of banking concepts and regulations.
-Working knowledge of industry standard credit rating tools (TSYS preferred).
-Must be legally authorized to work in the US. Employer will not sponsor position for employment visa status now or in the future (ex. H-1B).
Compensation:
The wage range for this position is $60,000 - $90,000 / year, with the actual pay dependent on your skills and experience as they relate to the job requirements.
Location :
-This is a hybrid role, with 4 days in the Tampa office required. The Salt Lake City office may be considered alternatively. (No relocation assistance offered.)
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