The Credit Products Officer role is designed to address the need for specialized review and underwriting of loan requests within the Corporate and Industrial (C&I) or Commercial Real Estate (CRE) sectors. This role aims to ensure timely, accurate, and compliant credit analyses that meet business partner needs, customer expectations, and regulatory standards, while also protecting the Bank by identifying and mitigating risks.
Requirements
- Prepare spreads within Moody's Credit Lens and other spreading tools and templates utilized by the Bank.
- Review and analyze borrower financial information including but not limited to: corporate financial statements, tax returns, and accounts payable and accounts receivable aging to determine borrower financial condition and develop cash flow analysis.
- Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, and liquidity statements to determine financial strength of guarantor.
- Review and analyze all 3rd party reports - Obtain all 3rd party reports and include findings in analysis of financial condition of borrower or guarantor.
- Underwrite ACH exposure for borrowing and non-borrowing clients.
- Complete all required risk rating models and analyses.
- Accounting skills through formal education, AIB, or prior work experience.
Responsibilities
- Prepare Spreads - Prepare spreads within Moody's Credit Lens and other spreading tools and templates utilized by the Bank.
- Perform borrower financial analysis - Review and analyze borrower financial information including but not limited to: corporate financial statements, tax returns, and accounts payable and accounts receivable aging to determine borrower financial condition and develop cash flow analysis.
- Perform guarantor financial analysis - Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, and liquidity statements to determine financial strength of guarantor.
- Review and analyze all 3rd party reports - Obtain all 3rd party reports and include findings in analysis of financial condition of borrower or guarantor.
- Underwrite ACH exposure: Underwrite ACH exposure for borrowing and non-borrowing clients.
- Complete all required risk rating models and analyses.
- Complete Credit Approval Memorandum within the Loan Origination System.
Other
- HS Diploma or equivalent required
- Bachelor's Degree or 4 years of work experience in a related field preferred
- 5+ years of commercial credit underwriting experience required
- 3+ years of experience in SBA underwriting and eligibility determination required
- Candidates residing in locations within BankUnited's footprint may be given preference.
