Senior Underwriter

SUMMARY OF JOB

INTQ Financial is a Division of InBank. INTQ Financial originates SBA 7a, 504 and USDA loans nationally.

The principal responsibility of the Senior Underwriter is to underwrite SBA 7a, 504 and USDA loan assets for funding by InBank.

this is a fully Remote position

ESSENTIAL JOB RESPONSIBILITIES

1. Prepares comprehensive financial analysis of Borrower, Affiliates, Corporate and Individual Guarantors


2. Orders and reviews appraisals, environmental reports and business valuation reports


3. Reviews IRS tax transcripts


4. Works directly with Borrower and or referral source to collect items required for underwriting


5. Prepares Credit Display for approval


6. Collaborates with Closing Specialist to prepare any post-approval Modification Memos pre-closing


7. Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.


8. Other duties as assigned.

JOB REQUIREMENTS

Education: High School Diploma or Equivalent; College Degree Preferred

Work Experience: 3-5+ years of experience in SBA industry

2-4+ years as an Underwriter for SBA

Supervisory Experience: 0 years of supervisor experience in leading and managing teams.

Computer Skills: Proficient with Microsoft Office Suite; 10-Key by touch is preferable

Other Requirements: Proficient working knowledge of financial and spread analysis, credit, lending, and underwriting processes and principles. Proficient working knowledge of credit risk and relationship manager teams. Solid internal and external relationship and communication skills - both verbal and written. Strong organizational skills and ability to multi-task efficiently and accurately in a production-oriented environment. Ability to make sound decisions and recommendations regarding credit risk (quality, structure, etc.). Ability to think critically, operate independently, and take accountability. Occasional travel may be required for meetings/training. Must be able to use fingers, hands, and wrists for repetitive tasks such as typing, using a mouse, handling paper, and operating a telephone.

Preferred Skills/Experience Critical thinking and problem solving. Strong attention to detail and accuracy; professional and courteous communication skills. Ability to effectively communicate between key internal business partners. Proven leadership and people management skills.

SPECIFIC DUTIES AND RESPONSIBILITIES

Customer Service: Strong emphasis on excellent customer service skills; ability to work effectively with both internal and external contacts. Maintains confidentiality in handling customer and bank information.

Financial: Proficient knowledge of SBA Lending, economics, accounting, and finance

Autonomy: Discretion for recognizing and minimizing risk to the bank.

Employees Supervised: No

InBank is an Equal Opportunity Employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, or any other characteristic protected by applicable federal, state, or local laws.

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