Managing and leading individual contributors responsible for developing high-quality comprehensive risk profiles of small business owners based on financial and credit information gathered from a variety of sources. Providing detailed information to key internal and external stakeholders on the risk profiles they develop. Training and development initiatives for new Underwriting team members. Underwrites applications for new funding Generates pricing quotes for new and renewal customersOther Duties As Assigned

Job Title: Senior Underwriter - QualityDepartment: Underwriting/Quality ControlReporting: Underwriting ManagerStatus: Non-ExemptLocation: Cincinnati, OHWhat you’ll be doing:Senior Quality Underwriters are individual contributors responsible for developing high-quality comprehensive risk profiles of small business owners based on financial and credit information gathered from a variety of sources. The Senior Quality Underwriters are heavily involved in providing detailed information to key internal and external stakeholders on the risk profiles they develop. Senior Quality Underwriters contribute to training and development initiatives for new Underwriting team members, either through hands-on training delivery or in completing Quality Control activities. Senior Quality Underwriters serve as leaders in the Underwriting department and are expected to consistently model The Business Backer’s cultural values and competencies. Senior Quality Underwriters may underwrite applications eligible for up to $200K in funding, and hold lending authorities up to $100K. Senior Quality Underwriters will also be responsible for periodic projects and training development activities.Your core priorities will be to:Underwrites applications for funding Generates pricing quotes for new and renewal customersCompletes Quality Control activities Training & Development InitiativesOther Duties As Assigned

Processing customer funding up to $150kAnalyze commercial bank statements & credit reports (LexisNexis, Experian,tax returns, and financial statements)Key data into the internal database (Excel) and decision an approval ordecline based upon credit profile and scoring model.Develop and maintain a professional relationship with the ISO Support Team(internal and external)Building quotes based on various credit and financial information

ESSENTIAL DUTIES & RESPONSIBILITIES:*Processes international and domestic inbound/outbound payments via ACH origination networks*Troubleshoot file/batch exceptions that result from customer driven electronic transmission failures via direct customer or internal sales relationship manager.*Consult and execute systemic clearance or deletion activities based on research and follow up.*Provides incoming call support and service for commercial based clients in need of high value based payment transaction processing.*Perform general analysis and execution of payment related credit risk exceptions by utilizing multiple internal applications to assess associated bank driven risk tolerances.*Responsible for all facets of line of business compliance program to ensure full compliance with state and federal laws, rules and regulations (i.e. E, NACHA, FFIEC).*Develop and maintain strong partnerships with internal sales and support teams and other internal and external customers* Handles any routine inquires and confirmations for internal sales support and/or external direct support.* Utilizes multiple servicing systems for research and processing (i.e. Mobius, PEP+ and ACE).* Processes all daily work according to department procedures and bank policies.* Ensures that all inbound call support meets departmental service levels (i.e. abandon rates).* Escalates large dollar/high value customer specific system and servicing issues as appropriate.* Demonstrate the ability to work efficiently with a low margin of error.* Collaborates proactively/effectively with team to achieve shared goals.

ESSENTIAL DUTIES AND RESPONSIBILITIES:. Post financial entries to clear deposit system rejects daily. Research and resolve outstanding items on the UDS suspenseaccount.. Balance several General Ledger accounts on a daily basis to ensure accurate processing of work.. Execute necessary monetary adjustments to internal accounts and outside financial institutions by directlycharging/crediting the account or by putting through the appropriate charge/credit ticket to be processed.. Prepare and distribute the Holds Report throughout the financial center network. Collect responses and apply pay/returndecisions accurately to ensure timely return of check and ACH items presented on accounts with holds.. Research and clear any items outstanding on the Exceptions reject account.. Execute and monitor daily production jobs for the returns and exceptions processing systems.. Perform manual capture process for returned checks.. Reconcile return check files exchanged with other banks.. Process daily volume of payments by established deadlines.. Research rejected payments and repair transactions in order to ensure proper posting.. Perform maintenance related to safe box processes and escrow accounts.. Respond within established service level timeframe to requests by management, customers, and other financialinstitutions for status of case, clarification of why adjustment was made, or for supporting documentation.. Provide service and support to retail division, with regard to specific products/processes supported in dept.. Provide regular feedback to mgmt. and retail contacts concerning trends and observed problems.. Accurately update interest rates for deposit products based on daily changes in indexes.

Call Center duties, ranging from ordering debit cards, customer support for online banking, account maintenance, loan doc prep, boarding new loans, and paid notes along with title work and customer correspondence.