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Commercial Real Estate Underwriter – Miami, FL – 749

Who We Are

Bankers Recruiting Bankers – The Symicor Group is a boutique bank-only talent acquisition firm based in Chicago.  Our nationally unique value proposition centers around providing the very best available banking talent to our valued clients…from a banker’s perspective.  In fact, most of our recruiters are former bankers themselves! We know banking and how to evaluate the very best banking talent available in the market.  Whether you are a bank candidate seeking a new opportunity or a bank president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.

The Position

Our client is seeking to file a Commercial Real Estate Underwriter role in the Miami, FL market. The successful candidate will be responsible for analyzing and risk-assessment of credit applications predominately for Commercial Real Estate loans to ensure compliance with the Bank’s credit risk management strategy and the Bank’s credit policy.

This position offers a generous salary and full benefits package.

Commercial Real Estate Underwriter responsibilities include:

  • Reviewing commercial loan applications and analyzing credit information to make a general assessment of applicant’s creditworthiness. Determining whether or not the proposed loan will conform to the bank’s lending policy.
  • Preparing written summary of loan terms and conditions and a written narrative explaining business background, outlining risk factors and justifying assigned risk rating, ensuring conformity with bank credit policy and procedures and with applicable banking regulations.
  • For CRE loans, conducting in-depth review of rent rolls, leases, balance sheets, income statements and tax returns presented by applicants to assess their ability to generate income sufficient to repay existing and proposed debt.
  • For C&I loans, conducting in-depth review of balance sheets, income statements, cash flow statements, tax returns, business plans and projections presented by applicants to assess their ability to generate income sufficient to repay existing and proposed debt.
  • Identifying risks and assisting in structuring the loan to mitigate risks. Assign risk ratings.
  • Regularly accompanying Corporate Banker on customer calls. Actively participating with lending officers in the preparation of loan proposals for committee presentation, including review of financial statements, projections and site visits.
  • Reviewing construction contracts, leases, appraisals, environmental assessment reports, UCC searches, flood determinations, insurance policies and other information to assess risks associated with the bank’s collateral position. Continuing to develop knowledge of appraisal theory and approaches to values.
  • Interacting with account officers to negotiate loan terms and following up on information required to decision the application. May contact loan applicants (customers) and their representatives (CPA’s, CFO’s) to obtain clarification about information received from them. Responding to credit applications within the time frame established by the department.
  • Complying with all bank policies, procedures, state and federal banking laws and regulations including Bank Secrecy Act, Anti-Money Laundering, Office of the Comptroller of the Currency Control (OCC) and USA Patriot Act.

Who Are You?

You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience:

  • Bachelor’s degree in business administration, finance, accounting or economics.
  • Three of more years’ experience in a credit analysis role relative to Commercial Real Estate lending required.
  • Must have experience with cash flow analysis, ratio analysis and projections.
  • Knowledge of real estate appraisal techniques, field audit examination techniques and commercial banking regulations required.
  • Strong knowledge of real estate appraisal techniques, field audit examination techniques and commercial banking regulations required.
  • Formal bank commercial credit training is a plus.
  • Proficient in software applications such as Microsoft Word and Excel.
  • Solid qualitative and quantities analytical skills required.
  • Excellent analytical, conceptual, writing, and communication skills.
  • Possesses strong organizational skills and can work with limited supervision.

The next step is yours.  Email us your current resume along with the position you are considering to:

resumes@symicorgroup.com

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