Small Business Senior Underwriter - Hybrid

Company: Heartland Financial USA, Inc.
Location: Dubuque
Posted on: August 6, 2022

Job Description:

HTLF is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. HTLF is a diversified financial services company headquartered in Dubuque, Iowa. We deliver community banking at scale by powering our geographically diverse group of banks with technology, efficiency and strength - giving local decision-making the opportunity and insights to focus on customers and growth. Relationships have been the core of our company since its founding in 1981. We're deeply invested in the communities we serve, and that's why our clients choose us as their banking partners. What's different about a career at HTLF? We believe our employees and their diverse backgrounds, perspectives and skills are our greatest assets. We wouldn't be HTLF without the people with whom we surround ourselves and empower to enrich the lives of our customers, employees and communities. We're dedicated to making HTLF the best place to work - where your opinions are valued, your feedback and ideas are heard, and your opportunities for personal growth and professional development are endless. The Small Business Senior Underwriter conducts credit analysis including gathering, analyzing and interpreting credit information in order to assess credit quality and minimize risk and potential loss on Small Business loans. This position will be required to decision Small Business loan requests in a timely manner and mentor other Small Business Underwriters. Primary Responsibilities Provides timely support and guidance to front line sales staff. Reviews and processes all overrides to decisions made in the Small Business Loan Center. Maintains and increases the profitability of the Small Business portfolio by understanding the integrity of the scoring system and validating the scorecards, while ensuring compliance with government laws and regulations. Ensures that the application and financial information were input accurately & on a timely basis. Reviews and analyzes loan applications, financial statements/tax returns, and other supporting documents. Uses credit scoring software effectively to properly process, decision, document credit requests according to Small Business Policy. Evaluates the FICO score and the Custom Business score to understand the business and personal trends. Reviews the Credit Summary Authorization and render a final decision. Makes a sound credit decision within assigned credit authority. Communicates loan decisions and recommendations to lending staff at Member Banks effectively. Ensures all service level agreements are met or exceeded. Oversees the override process and helps gather information for reports to management. Manages adherence to compliance of Federal and State Regulations including, Regulation B, HMDA and CRA. Routes loan requests over lending authority to SBLC Management. Assists Portfolio Manager with underwriting renewals as directed by Small Business Underwriting Manager. Reviews appraisals, title work, credit reports and documents for accuracy and compliance to the loan approval terms and conditions. Reports policy violations and recommendations for correction to Small Business Underwriting Manager. Assists the Manager in resolving problems, compliance, loan review and internal audit reviews. Assists with ongoing training of new staff. Mentors Small Business Underwriters to adhere to credit policies and procedures and serves as subject matter expert. Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function. Secondary Responsibilities Performs other duties as assigned. Qualifications Bachelors Accounting, Business Administration/Management, Finance required 3-5 years experience as a commercial credit analyst or similar environment required Or combined education and relevant experience. required Experience working in a Small Business credit environment preferred 3-5 years experience making and recommending decisions on loan requests preferred Sales experience preferred Performance Measures: Volume of requests completed through loan origination system Service level agreements met or exceeded Success making decisions on a large volume of Small Business loan requests Ability to manage tasks, seek out additional duties and assist where needed Credit Quality: Manage technical loan exceptions Manage input and review of new Small Business loans with minimal errors Recommend proper structure on all credits Monitor credit risk of each borrower to ensure conformity with Bank policy Competencies Accountability - Thinking and acting ethically, honestly, and with the highest work standards; taking responsibility for your actions and fostering a work environment where accountability is valued. Customer Experience/Focus - Going out of the way to anticipate and meet customer needs; remaining knowledgeable and up to date on all products and services of the bank and how to best the help the customer. Functional Role Expertise - Knowledgeable and skilled in functional specialty; demonstrating an ability to add organizational value through unique expertise in a functional specialty area. Results Oriented - Maintaining an appropriate focus on outcomes and accomplishments motivated by achievement; identifying outcomes as a critical success factor in the bank where there are countless interactions with customers and internal partners. Standard ADA Selection: Office and Administrative Support Physical Demands: Standing - Frequently Walking - Occasionally Sitting - Frequently Lifting - Occasionally Carrying - Occasionally Pushing - Rarely Pulling - Rarely Balancing - Rarely Kneeling - N/A Crouching - Rarely Reaching - Rarely Repetitive Motions - Frequently Eye/Hand/Foot Coordination - Constantly Working Environment: Extreme cold - N/A Extreme heat - N/A Humidity - N/A Wet - N/A Noise - Rarely Hazards - N/A Temperature Change - N/A Atmospheric Conditions - N/A Vibration - N/A Standard Business Hours: Standard business hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. Exempt employees are expected to work as long as it takes to accomplish the goals and deliverables of the position; typically, a minimum of 40-45 hours per week. Travel: Est. Amount - 0% Driving Requirements: Est. Amount - 0% Scheduled Weekly Hours: 40 Time Type: Full time

Keywords: Heartland Financial USA, Inc., Dubuque , Small Business Senior Underwriter - Hybrid, Accounting, Auditing , Dubuque, Iowa