Underwrite loan requests for commercial loans/lines of credit, term loans, letter of credit and corporate credit cards for profit organizations and not for profit organizations. Work with Relationship Managers and clients on appropriate loan structuring. Ensure credit policy is being adhered to and exceptions to policy are properly mitigated. Remain current on all laws, regulations, policies and procedures.

Meets all departmental goals for quality, productivity, and turnaround time. Develop and maintain expert knowledge base of Fannie Mae and Freddie Mac underwriting requirements. Review and analyze loan files that include advance income analysis for self-employment, corporate and partnerships according to credit policy, agency guidelines and Chase overlays for loans up to $1MRemain current on all laws, regulations, policies and procedures. Work as mentor for junior underwriters.

Responsible for ensuring annual loan renewals, reviews and monitoring are completed in a timely manner to avoid any past dues. Provide accurate financial analysis and risk assessment of new and existing bank customers. Interprets and evaluates consumer credit bureau reports, Dun & Bradstreet business reports, Equifax business reports and public records. Responsible for identifying trends in client activities which may be predictive of deteriorating credit quality. Responsible for monitoring covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement. Monitors high risk loans via established procedures, with transfers to the Special Assets Monitoring Unit as appropriate. Works with Relationship Manager to solve for situations where changes in structure, may be necessary due to borrower, market or industry changes.

Review submitted loan application files to analyze, interpret and evaluate financial information and loan documentation to assess borrower capacity, cash flows, character, collateral and condition to honor its obligations; Verify completeness and accuracy of files; Insure that approval of new loan requests comply with loan underwriting, product and program policies and procedures; Prepare loan presentations that assess' applicant trends, cash flow, and credit risks; Renders decisions within established credit guidelines and compliance and regulatory requirements; Communicate decisions to loan originators; Recognize industry and/or borrower specific risks, applying appropriate underwriting criteria and identify abnormal characteristics of borrowers; Assist loan officers with loan requests and make recommendations regarding modifying loan structure; Work closely with loan officers to determine appropriate counteroffers to the borrower and clear any pending conditions; Communicate loan decisions to processing; Comply with specified lending practices; Meet all departmental goals for productivity, quality, and turnaround time; Remain up to date and knowledgeable on all policies and procedures.

Worked closely with Direct Marketing Manager to develop and implement effective marketing campaigns for Business Banking; Executed targeted marketing campaigns and strategies using various marketing channels including direct mail, telemarketing and online marketing; Managed assigned campaigns and projects through coordination with internal and external clients and vendors; Managed prospect and customer data for use in acquisition, retention, cross-sell and up-sell programs; Maximized costs and processes for effective planning, development, execution, tracking and evaluation of both existing and new marketing programs via various channels; Analyzed and interpreted data to target effectiveness of the campaign and measured results; Reported significant findings including costs, results and responses; Recommended strategies for future campaigns; Maintained project status reports, schedules and budget information.

Managed a team of 4 employees to monitor and assess the Auto and Marine/RV Portfolio Quality; Prepared and administered performance and salary reviews and managed personnel issues; Monitored credit quality of the 6-9 rated portfolio; Prepared timely reviews of the portfolio and maintenance of the risk ratings; Developed and implemented portfolio monitoring plans; Reviewed and researched unacceptable audit reports; Identified losses and created a worst case loss scenario write-up; Worked closely with Workout Officer to determine next steps; Compiled reports for Senior Management.