Lead Underwriter Specialty Lending

• Review, analyze, and evaluate complex credit applications and credit line increases high-net-worth customers
• Analyze credit applications and credit line increases, credit bureau information, collateral valuation and cash flow tax returns, financial statements, trusts, investment portfolios and or other supporting documentation to recommend or approve appropriate credit line requests
• Expert communication skills ensuring best in class customer experience and proactively address customer needs to customize lending solutions
• Collaborate with internal partners such as Wealth Advisors and Private Bankers to proactively address client needs
• Ensure exceptional customer service delivery to affluent customers balancing credit quality with customer experience
• Lead complex initiatives with broad impact and act as key participant in the development of projects for Specialty
• Ensure conformity with bank policies and procedures
• Evaluate complex processes or tasks that may require research into the cause and effect of challenges to projects or procedures related affluent credit card originations

5+ years of Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• 5+ years of Underwriting for affluent customers with background in high line assignments
• Deep understanding of Wealth Management and experience with high value credit portfolios
• Financial Statement Analysis: Ability to interpret complex financial documents, including tax returns, balance sheets, and income statements
• Credit Risk Assessment: Proficiency in evaluating creditworthiness using credit scores, debt-to-income ratios, and other risk indicators
• Cash Flow Analysis: Understanding of personal and business cash flow to determine repayment capacity
• Communication Excellent verbal, written, and interpersonal communication skills
• Portfolio Management: Experience managing large or complex credit portfolios, including exposure limits and diversification
• Extensive knowledge of lending policy guidelines and procedures as evidenced by strong credit and compliance quality
• Track record of proactive problem solving, taking initiative, and effectiveness in resolving complex escalations timely and decisively to meet customer expectations
• Analytical skills focusing on problem solving, process improvement and customer impact in a rapidly changing environment
• Ability to organize, re-prioritize, and manage multiple priorities in-order-to meet deadlines

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement