Underwriter II, USDA Generalist

About the Role:

Responsible for underwriting loans in a timely manner, resulting in an acceptable level of credit risk and an appropriate risk return relationship. Facilitate the booking of new loans, ensuring customers understand our company's requirements and their responsibilities. Manage the entire underwriting process through closing, and affect a smooth transition to Account Executives.

What You Will Do:

• Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner.
• Understand and apply credit policies and minimum underwriting standards.
• Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective, both prior to proposal issuance and thereafter.
• Review and analyze new deal packages for content and completeness and conduct initial interviews with prospects.
• Order and review due diligence and documentation.
• Review and analyze financial statement spreads and understand cash flows.
• Review field examinations and understand collateral and financial trends indicated therein.
• Visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount.
• Gain a thorough understanding of the prospect's business and the company's asset conversion cycle.
• Review reporting requirements and processing with clients.
• Analyze debtor information in conjunction with Debtor Credit Manager. 
• Prepare the credit narrative for appropriate approval.
• Conduct and document the pre-funding process and oversee the efforts of the Client Analyst assigned to the transaction.
• Oversee closing documentation process and effectively negotiate with prospect.
• Mentor and train analysts, field examiners and less experienced business development representatives.
• Other duties as assigned. 

What You Will Need:

• Bachelor's degree or equivalent education and work experience.
• 3+ years relevant experience.
• Business Acumen, Customer Focus, Collaborates, Communication Skills, Negotiating

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $72,000 – $120,000

 
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future. This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

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