BBVA Compass

  • COMMERCIAL UNDERWRITER I-II

    Posted Date 4 weeks ago(10/25/2018 2:43 PM)
    Location
    Texas
    EOE Statement
    Equal Opportunity Employer - Minority/Female/Disability/Veterans.
  • Overview

    At BBVA, we are working to make banking better for everyone. That is where you come in. We are looking for smart, team oriented people who want to be part of a first-class workforce that gives people the tools they need to meet their financial goals, all while delivering an outstanding client experience. Learn more below.

    Responsibilities

    This position underwrites loan requests in a high-volume environment, while adhering to department/bank policies and guidelines. DUTIES: 1. Assists and counsels originators in qualifying loans, determining borrower's needs, determining appropriate commercial loan product in light of needs, and obtaining requisite financial data. 2. Reviews credit requests, business credit scores, business reports and consumer bureaus. 3. Evaluates collateral adequacy, industry risk, purpose and viability of business. 4. Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan. 5. Determines appropriate structure and pricing in light of borrower type, industry, collateral, and risk and documenting any deviations from the prescribed structure. 6. Assesses strengths and weaknesses of loan requests. 7. Completes financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis. 8. Thoroughly documents the credit request in the appropriate format. 9. Verifies underwriting conditions and additional approval requirements are satisfied. 10. Ensures effective communication between Relationship Managers, Loan Administration, Loan Documentation & Funding Control and other departments involved in the loan process. 11. Strives to minimize turnaround-time while thorough documenting credit requests. 12. Responsible for Credit File maintenance.

    Qualifications

    Qualifications

    • All candidates must have superior verbal, written, and organizational skills.
    • Must be able to prioritize tasks demonstrating both management skills and ability to achieve communicated deadlines.
    • High integrity and respect for confidentiality are invaluable.
    • Excellent computer skills in Windows, understanding of business and personal financial statements, good phone and communication skills required.
    • Bachelor degree in business related field with emphasis in management, accounting, finance, or a related field.

     

    Commercial Underwriter II:

    Bachelor’s degree in business related field with emphasis in management, accounting, finance, or a related field. Candidates must have 18 to 36 months of previous commercial real estate underwriting or credit analysis experience; familiar with multi-family, office, retail, industrial and residential home builder analysis.

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