Sr SME Underwriter
Company: Bank of the West
Posted on: June 20, 2022
**Sr SME Underwriter**
At Bank of the West, our people are having a positive impact on the
world. We're investing where we feel we can make the most impact,
like advancing diversity and women entrepreneurship programs,
financing for more small businesses, and promoting programs for
sustainable energy. From our locations across the U.S., Bank of the
West is taking action to help protect the planet, improve people's
lives, and strengthen communities. We are part of BNP Paribas, a
global leader supporting the UN Sustainable Development Goals
(SDGs). Yes, we're a bank, but as the bank for a changing world, we
are continually seeking to improve the ways we help our customers,
while contributing to more sustainable and equitable growth.
**Job Description Summary**
Responsible for making credit worthy decisions on complex
commercial transactions to determine acceptability of risk in
accordance with the company guidelines and standards. Advanced
expertise on commercial loans
**Essential Job Functions**
+ Evaluates all financial statements (business and personal tax
returns, fiscal year-end and interim statements and personal
financial statements) for credit worthiness. Identifies recurring
and non-recurring income/expenses. Comprehend all schedules, notes,
and K-1's. Differentiates between cash and accrual method as well
as comprehend UCA cash flow analysis. Consolidates related entities
and summarizes results.
+ Identifies credit strengths, weaknesses, industry risks, and
anomalies that lead to further investigation. Determines or amends
applicable loan agreement covenant and monitoring requirements.
+ Collaborates with Relationship Managers on reasoning for a
particular decision, answering potential loan request questions,
identifying/resolving potential problem loans.
+ Prepares a comprehensive credit summary in conjunction with the
Relationship Managers and Credit Manager to address all material
aspect of the request.
+ Supports management of the Relationship Manager portfolio by
addressing covenant violations, completing annual review/renewals,
and identifying opportunities.
**Other Job Duties**
+ Performs other duties as assigned.
+ Requires deep knowledge of job area typically obtained through
advanced education combined with experience.
+ Typically viewed as a specialist within discipline.
+ May have broad knowledge of project management.
+ Requires 7 years minimum prior relevant experience.
+ Bachelor's Degree
+ Expert knowledge of information and data processing systems.
+ Expert in evaluating business and credit reports.
+ Expert knowledge of Bank of the West Policy and Procedures.
+ Expert understanding of various regulatory/compliance policy and
procedure including but not limited to Fair Lending, OFAC, Flood,
Regulation O, highly leveraged transactions, etc.
+ Meet and/or exceed our Service Level Agreement commitment.
+ Proficiency in MS Office and other system applications.
+ Excellent written and verbal communication skills.
+ Excellent organizational skills.
"To protect the health and safety of our employees and customers,
Bank of the West requires all U.S. employees to provide proof of
their vaccination status. Employees who are not fully vaccinated
must undergo regular testing beginning May, 2022."
**Equal Employment Opportunity Policy**
Bank of the West is an Equal Opportunity employer and proud to
provide equal employment opportunity to all job seekers without
regard to any status protected by applicable law. Bank of the West
is also an Affirmative Action employer - Minority / Female /
Disabled / Veteran.
Bank of the West will consider for employment qualified applicants
with criminal histories pursuant to the San Francisco Fair Chance
Ordinance subject to the requirements of all state and federal laws
**Job:** Small / Mid Business
**Location:** United States-California-San Ramon
**Other Locations:** United States-Utah-Salt Lake City, United
States-Colorado-Greenwood Village, United States-Arizona-Tempe
**Requisition ID:** 061951
Keywords: Bank of the West, Tempe , Sr SME Underwriter, Other , Tempe, Arizona
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