Candidate Profile #368424

Minnesota – Minneapolis Area – Commercial Loan Underwriter

• Years of Related Experience: 10
• Minimum Salary: $85K 
• Work Area:  Minneapolis, Minnesota
• Experience:
  • Developed and prepared spreadsheets and models to support the analysis of new and existing CRE and C&I credit applications- Deals to $20MM.
  • Managed credit underwriting for an assigned commercial loan AR portfolio.
  • Reviewed credit applications and performed in-depth credit analysis and underwriting
  • Analyzed and assessed existing and potential clients’ financial statements and credit history.
  • Structured deals and performed risk assessments.
  • Ability to make informed decisions backed by sound assessment.
  • Evaluated and determined the creditworthiness of commercial applicants.
  • Performed cash flow analysis of businesses to determine the risk involved in extending credit.
  • Performed annual reviews, financial spreads, and global debt service calculations.
  • Conducted a thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing, and annual due diligence.
  • Analyzed financial and guarantor statements, prepared cash flow model, and performed collateral analysis to ensure loans meet requirements.
  • Reconciled credit files and identified discrepancies and variances.
  • Making Risk Rating decisions and communicating the decision with the RM or PM.
  • Assisted RM with completing various scenarios of financial forecasts and projections.
  • Ensured loans conformed to the company’s credit manuals and cited policy or guideline exceptions as needed.
  • Worked with a Financial analyst, credit coordinator, and relationship manager to maintain a high-quality business loan portfolio.
• Reference #:  368424
• Send Candidate’s Resume:  Click Here