商业承保主管
Head of Commercial Underwriting
Grasshopper Bank 是一家以客户为中心的数字银行，专为商业和创新经济打造，致力于通过充满热情的人才和数字资源的结合，提供前沿技术、以解决方案为导向的产品和卓越的服务。
我们是一支经验丰富的团队，以思想和视角的多样性为荣。我们拥有国家特许经营资质，产品和服务组合涵盖风险投资、私募股权及投资组合公司、SBA 贷款，以及直接面向中小企业的嵌入式银行服务。
我们的创业精神使我们能够通过包容性的合作，在企业发展的各个阶段支持各类客户的增长和成功。我们寻找能够通过协作、诚信和尊重推动组织和员工共同成长和繁荣的团队成员。
我们注重跨职能团队合作，营造一个重视创意、鼓励问责并庆祝成功的文化。我们欢迎所有希望参与影响并支持金融服务业新兴数字世界的银行创新的人士。
我们以数字化优先的方式，为团队提供远程工作的灵活性。我们在纽约和波士顿设有办公室。
您将负责：
商业承销主管将负责管理银行商业贷款组合中承销和组合管理流程的及时执行。您将与首席信用官合作，管理银行贷款组合的整体风险，并确保商业信贷和收账政策、流程和程序能有效降低任何贷款组合中的风险。该职位将协调问题贷款的管理和处置，推荐适当的策略，实现贷款目标，并指导商业承销的整体方向和运营。职责包括：
- 与首席信用官和副首席信用官对接，确保商业贷款质量和风险评级目标达成，同时确保报告的持续交付和沟通
- 达成年度审查、风险评级、契约合规性和抵押品监控的合规目标
- 根据授权的审批权限批准信贷请求，并对信贷请求（包括新业务、修改和续期）提供关键意见
- 建设并指导一支强大的组合管理和承销团队
查看英文原文
Grasshopper Bank is a client-first, digital bank built for the business and innovation economy, with an obsession for providing leading-edge technology, solutions-driven products and superior service through a combination of passionate people and digital resources.
We are a highly experienced team who pride ourselves on diversity of thought and perspective. Nationally chartered, our portfolio of products and services range from VC, PE & Portfolio Companies to SBA Lending, as well as direct SMB and Embedded Banking.
Our entrepreneurial drive allows us to support the growth and success of a wide range of clients at every stage of their business through inclusive partnership. We seek out team members who will enable both our organization and our people to grow and thrive through collaboration and acting with integrity and respect.
Our focus on cross-functional teamwork provides a culture where ideas are valued, accountability is encouraged, and successes are celebrated. We welcome all those searching for the opportunity to contribute to banking innovation that influences and supports the emerging digital world of Financial Services.
Our digital first approach enables our teams the flexibility to work remotely. We have offices in NYC and Boston.
What you'll do:
The Head of Commercial Underwriting will be responsible for managing the timely execution of underwriting and portfolio management processes throughout the Bank's Commercial portfolio. You will work with the Chief Credit Officer to manage the aggregate risk in the Bank’s loan portfolio, and ensure that commercial credit and collection policies, processes and procedures appropriately mitigate the risks inherent in any loan portfolio. This role will coordinate the management and work-out of problem credits, recommending appropriate strategies, attainment of lending objectives and the overall direction and operations of Commercial underwriting.Responsibilities include:
- Interface with the CCO and Deputy CCO to ensure the Commercial loan quality and risk rating goals are met while the proper reporting is consistently delivered and communicated
- Meet compliance targets for annual reviews, risk ratings, covenant compliance and collateral monitoring
- Approve credit requests based on delegated approval authority granted while providing critical views on credit requests (including new business, modifications and renewals)
- Build and coach a strong portfolio management and underwriting team through internal development and external talent acquisition. Perform all required personnel actions. Provide leadership over underwriters/portfolio managers supporting the Commercial portfolio
- Interface with the executive team and finance to ensure: (1) budgeting and expense control goals are set and properly met; (2) overall performance goals of the Bank are understood and (3) market trends are analyzed
- Examine files periodically for assurance of credit and collateral documentation, regulatory compliance and loan policy conformance; review technical exceptions and deficiencies
- Prepare written analyses on all large loans, aggregate lending vs. indebtedness for individual borrowers, complex loans and weak loans
- Identify problem loans; discuss the status of problem loans with the CCO and other senior lending officers; identify loans meeting non-accrual or charge-off criteria
- Manage the workout of “problem loans"
- Review the analysis of financial statements for both proposed and existing customers to determine present and future financial strength, liquidity, debt service coverage and value of collateral
- Review discounted cash flows or capital rate analysis to determine future financial performance and asset values
- Review internal asset reviews of existing borrowers for quarterly management review
What you need:
- Bachelor’s degree (B.A.) plus additional lending, compliance and audit related training
- Minimum 8 - 10 years’ experience in bank lending, underwriting, loan review and/or compliance experience or equivalent education in bank lending, loan review/compliance procedures and policies
- Senior level experience in all facets of commercial lending
Originally posted on Himalayas