credit underwriter

Adyen

<div>This is Adyen

Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&amp;M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

Credit Underwriter - Financial Products

As a Credit Underwriter based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen's expanding suite of financial products. The team plays a critical role in assessing credit risk, underwriting SME and enterprise merchants, and ensuring that portfolio performance remains within Adyen's risk appetite, while enabling sustainable growth for our merchants.

Beyond day-to-day underwriting and portfolio management, the team owns the development and operation of credit risk frameworks for new and evolving financial products (e.g. Adyen Capital). Working closely with Commercial, Product, Compliance, and other cross-functional partners, you will help design scalable, data-driven risk processes that support Adyen's global growth ambitions.

The Credit Risk team is in an early stage of its journey, offering significant opportunities to shape processes, influence product direction, and grow alongside the business. You will join an international, diverse team that values ownership, pragmatism, and collaboration, and operates across regions and cultures.

The ideal candidate combines strong problem-solving skills, clear and direct communication, and deep financial expertise to deliver thoughtful risk assessments and contribute to strategic recommendations on credit policies, frameworks, and practices.

Please note that this role is a hybrid, 3x a week position in Chicago.

Base salary compensation for this role in Chicago is: $85,000.00-$110,000.00. The total compensation package also includes equity (RSUs).

What you'll do
<ul>
<li>Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers;</li>
<li>Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen;</li>
<li>Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives;</li>
<li>Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices;</li>
<li>Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments;</li>
<li>Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices;</li>
</ul>
Who you are
<ul>
<li>Financial Expertise:</li>
<li><ul><li>Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments.</li>
<li>Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators.</li>
<li>Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing.</li>
<li>Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks.</li>
<li>Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives.</li>
<li>Familiarity with U.S. regulatory frameworks and guidelines related to credit risk; hands-on regulatory experience is a strong plus but not required.</li>
</ul></li><li>Mindset:</li>
<li><ul><li>Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact.</li>
<li>Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind.</li>
<li>Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles.</li>
<li>Collaborative team player with a low-ego, high-accountability mindset who values constructive challenge and shared success.</li>
</ul></li><li>Communication</li>
<li><ul><li>Clear and effective communicator who is able to communicate straight and to the point.</li>
<li>Comfortable engaging with a wide range of stakeholders, both internally and externally, across functions and seniority levels.</li>
<li>Capable of navigating complex and sensitive conversations with regulators, merchants, and partners, translating risk considerations into clear, actionable messages.</li>
</ul></li>
</ul>Our Diversity, Equity and Inclusion commitments

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you're from, we welcome you to be your true self at Adyen.

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! 


What's next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don't be afraid to let us know if you need more flexibility.

Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.

All your information will be kept confidential according to EEO guidelines.</div>

Credit Underwriter

TAPCO Credit Union

<div>Description: 
Join a Legacy of People Helping People
Serving the South Sound since 1934, TAPCO Credit Union has been built on a simple yet powerful philosophy: People Helping People. As a not-for-profit financial cooperative, we&rsquo;re deeply rooted in Pierce County, proudly serving generations of members and our communities.
At TAPCO, our employees are the heart of our mission. We foster a culture of trust, collaboration, curiosity, and respect, where every individual can bring their authentic self to work, grow in their career, and make a meaningful impact. We&rsquo;re committed to diversity, equity, inclusion, belonging, and accessibility, ensuring that every voice is valued and every team member has the opportunity to thrive.
When you join TAPCO, you&rsquo;re not just starting a job; you&rsquo;re joining a community that believes in supporting one another, learning together, and making a difference every day. Come experience the TAPCO difference and help us continue our legacy of service, innovation, and care for our communities.
Position Purpose
As a Commercial Credit Underwriter, you will play a critical role in supporting our commercial lending team by assessing the financial strength and repayment capacity of prospective and existing business members. This position requires strong analytical skills, attention to detail, and the ability to build collaborative relationships with internal teams and external partners. Your work will help safeguard the credit union&rsquo;s member business portfolio while delivering exceptional service to our members.
Base Expectations
Embraces and lives TAPCO's Values.<ul><li>
We are People-Centric</li><li>
We are Curious</li><li>
We are Inclusive</li><li>
We are Collaborative</li><li>
We are a Trusted Partner
</li></ul>Core Competencies
Member Focus: Build strong relationships inside and outside the organization while delivering member-centric solutions.
Instills Trust: Building trust by making good and timely decisions while consistently achieving results, even under challenging circumstances.
Drives Results: Making good and timely decisions while consistently achieving results, even under challenging circumstances.
Cultivates Innovation: Creating new and better ways for the organization to be successful even during times of uncertainty. 
Requirements:

 Position Responsibilities<ul><li>
Deliver timely, thorough, and well-reasoned credit analysis of prospective and existing commercial borrowers, including evaluation of financial condition, global cash flow, debt service capacity, financial trends, management strength, and collateral support.</li><li>
Prepare, analyze, and author financial statement spreads, credit approval memorandums, and loan modifications for current and potential borrowers.</li><li>
Deliver timely, accurate, annual reviews and quality grade change recommendations on required credits as directed by credit policy. Monitor periodic loan/financial covenants to determine compliance, notifying appropriate parties of non-compliance. Clear technical exceptions in credit files in a timely manner.</li><li>
Maintain complete credit files on all loans and reviews files to determine that loans have been properly documented with respect to collateral, guarantor, insurance coverage, regulatory requirements and the terms and conditions of approvals to ensure compliance responsibilities are met.</li><li>
Assist in the preparation of problem loan reports on adversely graded borrowers and assist in loan workouts as appropriate.</li><li>
Review and analyze third party reports such as appraisals, environmental reports, and credit bureau reports. May order appraisals and appraisal reviews for the credit union.</li><li>
 Partner with the loan officers to obtain the necessary data from the borrower to conduct the analysis.</li><li>
Ensure the confidentiality, security, and safekeeping of all accounts, records, and member information to ensure quality member service.</li><li>
Demonstrates an understanding of and adheres to the requirements of all federal, state, and local laws, including those of the Bank Secrecy Act (BSA) and the Office of Foreign Assets Control (OFAC), as it specifically relates to the job functions.</li><li>
Embeds diversity, equity, inclusion, belonging, and accessibility (DEIBA) into your daily workflow.</li><li>
May be required to perform certain follow-up duties requiring visits or phone calls to member&rsquo;s place of business.</li><li>
Assumes responsibility for other duties as required or assigned.</li></ul>
Position Qualifications
Minimum Qualifications:<ul><li>
Bachelor&rsquo;s Degree in the areas of business, finance, or accounting and three (3) or more years&rsquo; experience as an Commercial Credit Underwriter, Commercial Portfolio Manager and/or other equivalate or related combination of education and experience.</li><li>
Broad knowledge of credit principles and commercial lending best practices.</li><li>
Proficient in credit risk analysis, loan underwriting, cash flow analysis, and financial statement spreading.</li><li>
 Proficiency with financial spreading software (e.g. CreditQuest, Moody&rsquo;s Risk Analyst, Sageworks/Abrigo).</li><li>
Demonstrated expertise in accurately balancing diverse accounts by applying mathematical, accounting, and bookkeeping skills, with a strong ability to investigate discrepancies and resolve inaccuracies.</li><li>
Intermediate knowledge of various commercial borrowing entity structures to obtain correct and accurate loan structures to fully protect TAPCO&rsquo;s interests in credit relationships. Experience reading legal documentation.</li><li>
Intermediate understanding of underwriting criteria, credit policies, loan documentation and collateral securing process.</li><li>
Experience analyzing and interpreting a wide variety of written, oral, and visual information from a variety of sources, including financial institutions, vendors, and bank regulators.</li><li>
 Excellent verbal and written communication skills required; proven ability to work in a team environment, learn quickly, and apply knowledge as needed.</li><li>
Knowledge of state/federal business lending rules and regulations governing commercial real estate loans and lines of credit.</li><li>
Proven ability to prioritize work, follow directions, meet critical deadlines, produce accurate work and work independently. May include some remote work flexibility, as authorized by management.</li><li>
Intermediate to advanced level knowledge with Microsoft Office programs (e.g. Word, Excel, Powerpoint).</li><li>
Ability to uphold confidentiality and member&rsquo;s privacy in all situations.</li><li>
Professional appearance, dress and attitude.</li></ul>
Preferred Qualifications<ul><li>
Three (3) to five (5) years&rsquo; experience as a Commercial Credit Underwriter, Commercial Portfolio Manager and/or other equivalate or related combination of education and experience.</li><li>
Formal commercial credit program training.</li><li>
Knowledge of the Finastra LaserPro product or equivalent loan documentation.</li></ul>
 Position Working Conditions<ul><li>
The work environment is an office setting, and in-person</li><li>
Movements frequently and regularly required using the wrists, hands, and/or fingers.</li><li>
Frequently required to sit and stand for longer periods of time.</li><li>
May work under tight time constraints.</li></ul>
90-day Introductory Period
All newly hired employees at TAPCO Credit Union are subject to a 90-day introductory period beginning on their first day of employment. This period is intended to provide structure, clarity, coaching, and support while employees learn their role and the organization. Completion of the introductory period does not guarantee continued employment or change the at-will employment relationship. 
Salary: Starting at $80,168.40 - $85,250.00 (depending on experience).
Benefits
TAPCO offers a comprehensive benefit package:<ul><li>
100% Employer-paid medical, vision, prescription, and dental insurance option for all full-time employees.</li><li>
50% Employer-paid spouse coverage.</li><li>
65% Employer-paid dependent children coverage</li><li>
Flexible Spending Account (FSA)</li><li>
Dependent Care FSA</li><li>
Health Savings Account (HSA)</li><li>
401(k) Plan with up to 7% match</li><li>
100% Employer-Paid Life Insurance/AD&amp;D package</li><li>
Paid Vacation and Sick Time</li><li>
11 Paid Holidays + 1 Floating Holiday</li><li>
Optional Short- and Long-Term Disability</li><li>
Employee Assistance Program</li><li>
40 paid volunteer hours</li><li>
Shared Bonus Plan (when company goals are achieved)</li></ul>
Diversity, Equity, Inclusion, Belonging, and Accessibility (DEIBA) Purpose Statement
TAPCO embraces diversity, equity, inclusion, belonging, and accessibility (DEIBA) and is committed to creating a workplace where all stakeholders involved, regardless of gender, race, ethnicity, national origin, age, sexual orientation, identity, education, or limited mobility and abilities, feel valued and respected.<ul><li>
We are committed to include diversity, equity, inclusion, belonging, and accessibility at the center of our work.</li><li>
We are committed to nondiscriminatory practices and provide equitable opportunity for all.</li><li>
We respect and value diverse life experiences and heritages and ensure that all voices are valued and heard.</li><li>
We welcome every person to bring their authentic perspective and experience to advance our mission.</li><li>
We focus on real people's experiences to uncover and address systemic inequities.</li><li>
We address our gaps and inequities through products, practices and policies that uplift our employees, members, and community.</li><li>
We put allyship into action every day.</li><li>
We value the seen and unseen qualities that make you who you are.</li></ul>
Equal Opportunity Employer Statement
TAPCO Credit Union is an equal opportunity employer that is committed to diversity and inclusion in the workplace. As a people-centric organization, we believe every employee and applicant has the right to work in surroundings that are free from all forms of unlawful discrimination. TAPCO does not discriminate on the basis of actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth and pregnancy-related conditions), gender identity or expression (including transgender status), sexual orientation, marital status, military service or veteran status, physical or mental disability, genetic information, or any other characteristic protected by applicable federal, state or local laws and ordinances. Equal employment opportunity applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, transfer, training, compensation, benefits, employee activities, access to facilities and programs, termination, layoff, leave of absence, and general treatment during employment.</div>

Commercial Credit Underwriter

Sikorsky Financial Credit Union

<div>Why Join the Sikorsky Credit Union Team? 
Sikorsky Credit Union has been named the #1 Credit Union in Connecticut for 6 years in a row. We are one of the largest credit unions in the state, with over $1 billion in assets, and we continue to grow!
If you are passionate about helping people achieve their financial goals and want to make a difference in the local community, we want to hear from you! We are looking for talented people to help us improve the banking experience for our valued members.
Working at Sikorsky Credit Union has its benefits. You&rsquo;ll enjoy an awesome work-life balance, competitive pay, and an excellent benefits package that includes paid-time off, medical/dental, 401K plan with company match, tuition reimbursement and more! Please check out the details below to learn more about this position.
General Summary:<div>
The Consumer Lending Underwriter is responsible for underwriting secured and unsecured consumer loans in accordance with credit union underwriting standards and product guidelines.</div><div></div><div> 
Key Essential Responsibilities:</div><ul><li>
Effectively manages assigned pipeline within loan origination system (LOS). Completes all tasks in LOS queues to ensure a high level of service is provided to Digital, Branch, and Indirect lending business lines.</li><li>
Approves or denies auto loans (direct and indirect), personal loans, and credit cards up to designated lending authority.</li><li>
Ensures that consumer loan applications are underwritten and processed consistent with company guidelines, policies, and procedures to protect the credit union&rsquo;s loan portfolio.</li><li>
Communicates loan decisions to production team. Explores opportunities to assist credit union members or staff by recommending available products or services to meet member needs.
</li><li>Mitigates risk for the credit union by exercising sound judgment during credit application evaluations.</li><li>
Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management and vendors.</li><li>
Keeps abreast of industry developments including, but not limited to changes in regulations and technology.</li><li>
Ensures adherence to company policies and procedures and banking/credit union regulations.</li><li>
Performs additional duties as required.</li></ul><div></div><div> 
Essential Skills, Knowledge and Requirements:</div><ul><li>
High school diploma or equivalent. Associate&rsquo;s degree or relevant business coursework 
 preferred. Will consider experience in lieu of degree.</li><li>
Three years&rsquo; experience in retail banking, mortgage or consumer lending, or loan origination. Experience working as an underwriter (1 year) or within loan fulfillment team (processing, closing, funding).</li><li>
General knowledge of consumer loan products, features, and benefits. Knowledge of 
 consumer loan pricing, policies and procedures a plus. Working knowledge of consumer finance.</li><li>
Excellent organizational, problem solving, communication and time management skills. Ability to effectively multi-task.</li><li>
Familiarity with core banking and LOS systems (Fiserv DNA, CUDL/L360).</li><li>
Proficient in Microsoft Office applications.</li></ul>
Sikorsky Credit Union is an equal opportunity employer that is proud of its commitment to diversity and inclusion. Therefore, we welcome applicants from all communities, including age, color, ethnicity, familial or marital status, gender identity or expression, language, national origin, physical or mental disability, military or veteran status, race, religion, sexual orientation, and socioeconomic background.</div>

Consumer Lending Underwriter

Hancock Whitney Bank

<div>Thank you for your interest in our company! To apply, click on the button above. You will be required to create an account (or sign in with an existing account). Your account will provide you access to your application information. The email address used in establishing your account will be used to correspond with you throughout the application process. Please be sure and check the spam folder. You may review, modify, or update your information by visiting and logging into your account.<div>
JOB FUNCTION / SUMMARY:</div>
Responsible for the management, retention, and expansion of existing business relationships, the development of new business and the servicing of a variety of commercial relationships. Grows revenue as directed by senior management by successfully prospecting for new business and retaining and expanding existing customer relationships. Manages a portfolio of up to 75 clients with credit outstanding up to $100MM. Business development activities typically focus on businesses with sales of $25MM - $100MM that operate in our defined targeted industries. Functions with levels of individual authority which will be determined and negotiates with strict adherence to established guidelines, credit pricing, terms and structure.<div>
ESSENTIAL DUTIES &amp; RESPONSIBILITIES:</div>
 Essential Duties:<ul><li>
Solicits new and prospective loan and deposit relationships for the Bank.</li><li>
Develops and executes a business development plan to achieve established goals and objectives. Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long term profitable customer relationships and become the clients trusted financial partner through needs based solutions</li><li>
Identifies cross-sell opportunities for each assigned relationship. Markets to assigned clients and prospects a broad range of financial products.</li><li>
Build internal relationships with other departments such as Product Management, Treasury Management, and Credit Underwriting to enhance the overall banking relationship ensuring the customer&rsquo;s business objectives are met.</li><li>
Provides guidance/assistance to less experienced Commercial Bankers to develop a thorough understanding of bank products, services, credit standards, and bank pricing parameters, business development programs/automated systems.</li></ul>
Additional Duties:<ul><li>
Partners with the Commercial Underwriter to assess the customer&rsquo;s credit risk and structure a credit solution that fits the customer&rsquo;s needs while remaining within acceptable risk guidelines.</li><li>
Identifies client needs and works with customers to offer appropriate bank products and services.</li><li>
Cultivates prospects independently through customer referrals, networking, and participation in professional organizations, social contacts, and relationships built in the community.</li><li>
Develops relationships with customers through calling and customer support activities.</li><li>
Routinely monitors loan portfolio&rsquo;s credit quality status to ensure loans are current and conform to terms, quickly identifies and manages risks to minimize impact.</li><li>
Analyzes customer credit status or obtains appropriate central underwriting approval and related documentation to ensure portfolio quality and yield are maintained.</li><li>
Uses automated business development system to manage individual calling program, schedule appointments, develop customer profiles or cross-sales opportunities, follow-up with customers and book new business.</li><li>
Keeps abreast of industry, competitor, financial market and other changes that may impact their portfolio or department.</li><li>
Responsible for assembling financial information and coordinating the generation of complete loan packages for approval presentation.</li><li>
Provides assistance to Group Managers with strategic planning projects including budgeting, process improvement, growth and quality initiatives.</li><li>
Performs other duties and special projects as assigned by Senior Management.</li><li>
Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.</li></ul><div>
SUPERVISORY RESPONSIBILITIES:</div>
None<div>
MINIMUM REQUIRED EDUCATION, EXPERIENCE &amp; KNOWLEDGE:</div><ul><li>
Bachelor&rsquo;s Degree, major in Accounting or Finance preferred</li><li>
Minimum 8-10 years of relationship management experience selling banking products</li><li>
Extensive knowledge of credit and non-credit products required</li><li>
Proficient in credit underwriting and prior credit experience including financial analysis</li><li>
Knowledge of commercial loan products &amp; lending / compliance regulations</li></ul><div>
ESSENTIAL MENTAL &amp; PHYSICAL REQUIREMENTS:</div><ul><li>
Ability to lift/move/carry approximately 30 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an &ldquo;undue hardship&rdquo; then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.</li></ul>
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.</div>

Middle Market Banker

U.S. Bank

<div>At U.S. Bank, we&rsquo;re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at&mdash;all from Day One.<h2 class="jobSectionHeader">
Job Description</h2>
The Senior Underwriter partners with assigned Relationship Manager(s) to successfully manage Specialized Industries, Institutional Client Group Corporate Banking credit account relationships. Grows revenue as directed by senior management by successfully closing new business relationships and retaining and expanding relationships with existing customers. Sustains profitability and growth of unit(s). Provides strategic direction and leadership to pursue objectives of unit(s). Creates and maintains cost-effective programs for unit(s).<div>
Basic Qualifications 
<ul><li>Bachelor's or Master's degree in finance, accounting or other related field</li><li>10 or more years of banking experience</li><li>Three or more years of management experience</li></ul> 
Preferred Skills/Experience 
<ul><li>Strong leadership abilities and strategic management skills</li><li>Thorough knowledge of division and relation to industry</li><li>Excellent verbal and written communication skills</li><li>Excellent analytical, decision-making and problem-solving skills</li><li>Considerable tact, diplomacy and people skills</li></ul></div>
If there&rsquo;s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members&rsquo; whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:<ul><li>
Healthcare (medical, dental, vision)</li><li>
Basic term and optional term life insurance</li><li>
Short-term and long-term disability</li><li>
Pregnancy disability and parental leave</li><li>
401(k) and employer-funded retirement plan</li><li>
Paid vacation (from two to five weeks depending on salary grade and tenure)</li><li>
Up to 11 paid holiday opportunities</li><li>
Adoption assistance</li><li>
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law</li></ul>
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $149,515.00 - $175,900.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.</div>

Senior Underwriter - Specialized Industries, Institutional Client Group

Huntington Bank

<div><h1 class="jobSectionHeader">Description</h1>
Summary:
Credit Underwriting Officers are responsible for analyzing and monitoring credit worthiness of assigned customers/accounts and recommending and/or approving credit within established guidelines. Includes analyzing financial statements and completing ratio and trend analysis of statements to determine if a customer is eligible for financing.
Duties and Responsibilities:<ul><li>
Underwrite high quality credit narratives in support of new and existing loans. Review and analyze various transactions. Includes review and analysis of applications, financial statements, balance sheets, D&amp;B reports, etc.</li><li>
Spreading business financial statements and tax returns using Moody's software to analyze multi-year trends and ratios from financial information.</li><li>
Understand cash flow from operations, which includes identifying recurring and non-recurring sources of cash flow.</li><li>
Research industry trends and risks.</li><li>
Perform collateral analysis including accounts receivable, inventory, real estate and investments.</li><li>
Run credit reports and gather/analyze KYC information.</li><li>
Spread personal financial statements and tax returns for individual guarantors, develop borrower and guarantor global cash flow analysis.</li><li>
Work with other areas to monitor delinquency, delinquency trends and repossession activity.</li><li>
Conduct annual financial statement follow-up to borrowers and track and monitor the receipt by the Bank of this information.</li><li>
Prepare written recommendation as to whether the proposed loan should be approved as presented, and provide alternate loan structure recommendations.</li><li>
Present to loan committee for loan approvals. Communicate decisions.</li><li>
Provide leadership and guidance to less experienced analysts; coach and mentor as appropriate.</li><li>
Lead special projects as needed.</li><li>
Perform other duties as assigned.</li></ul>
Basic Qualifications:
<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business or related field.</li><li>
5+ years commercial credit underwriting experience and prior credit approval authority.</li></ul> 
Preferred Qualifications:<ul><li>
Ability to independently structure and underwrite most loan requests.</li><li>
Established network of business clients, prospects, and referral sources.</li><li>
Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength.</li><li>
Excellent written/verbal communication and presentation skills.</li><li>
Demonstrated ability to make sound business judgments while protecting the interests of the bank.</li><li>
Experience coaching and developing others, informally or formally</li><li>
Experience in lending to a wide variety of industries, loan types, and sizes of companies Superior technical skills</li></ul> 
Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)
Yes
Workplace Type:
Office
Our Approach to Office Workplace Type
Certain positions outside our branch network may be eligible for a flexible work arrangement. We&rsquo;re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.
Huntington is an Equal Opportunity Employer.
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.
Note to Agency Recruiters: Huntington Bank will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington Bank colleagues, directly or indirectly, will be considered Huntington Bank property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.</div>

Credit Underwriting Officer - Inventory Finance

BankByChoice

Credit Analyst &ndash; SME Lending &amp; OperationsWe are seeking a detail-oriented and analytical Credit Analyst &ndash; SME Lending &amp; Operations to support end-to-end SME financing processes within a dynamic fintech environment. This role combines credit underwriting responsibilities with operational execution, ensuring efficient loan processing, accurate risk assessment, and seamless disbursement and servicing of SME loans in line with internal policies.Key Responsibilities - Credit Analysis &amp; Underwriting<ul><li>Review and assess SME loan applications</li><li>Perform detailed credit analysis and underwriting</li><li>Analyze financial statements, bank statements, and cash flows</li><li>Evaluate creditworthiness, risk levels, and repayment capacity</li><li>Approve or decline loan applications within assigned authority</li><li>Prepare credit notes and maintain proper credit documentation</li><li>Ensure compliance with internal credit policies and risk guidelines</li></ul>Loan Operations &amp; Processing<ul><li>Process approved SME loan disbursals</li><li>Manage loan documentation, verification, and onboarding</li><li>Maintain accurate loan records and operational data</li><li>Monitor loan processing workflows to ensure timely execution</li><li>Handle post-disbursement activities and loan servicing support</li><li>Assist in operational reporting and portfolio tracking</li></ul>Coordination &amp; Compliance<ul><li>Coordinate with credit, sales, and finance teams for smooth loan processing</li><li>Ensure adherence to internal operational procedures and policies</li><li>Support audits and compliance checks related to SME lending operations</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, Economics, or related field</li><li>2&ndash;5 years of experience in SME lending, credit analysis, or loan operations</li><li>Strong knowledge of financial statement analysis and credit underwriting</li><li>Familiarity with loan processing, documentation, and disbursement procedures</li><li>Excellent analytical, organizational, and decision-making skills</li><li>High attention to detail and accuracy</li><li>Proficiency in Microsoft Excel and financial/operational systems</li></ul>What We Offer<ul><li>Competitive salary</li><li>Performance-based incentives</li><li>Career growth opportunities within a fast-growing fintech environment</li><li>Exposure to SME lending and credit underwriting</li><li>Paid annual leave and comprehensive company benefits</li></ul>Job Types: Full-time, PermanentWork Location: In person

Credit Analyst – SME Lending & Operations

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