Hana Bank
Underwriter NJ
Hana Bank, Fort Lee, New Jersey, us, 07024
The Underwriter ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements.
Responsible for financial analysis of complex loans, industries, and customers.Underwrites loans and performs historical business financial analysis and cash flows.Performs and constructs global cash flow analysis of a guarantor’s financial position through an in-depth investigation of personal financial statements, tax returns, and credit reporting documentation.When applicable, considers and discusses alternative structures and overall assessments with the deal team.Conduct extensive due diligence, prepare credit committee package, execute transactions, and provide ongoing portfolio monitoring.Analyze financial statements, explaining the impact of balance sheet and income statement changes, trends, and margins.Perform analysis of risks/mitigants, management, collateral, and guarantors (among other credit considerations) to determine the viability of loan requests.Evaluate financial stability, debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment, and industry concerns and possible effects on the commercial relationship.Support other credit risk management activities, including those related to internal/external audits, loan reviews, and regulatory compliance matters.Preparation of sensitivity and stress scenarios, and appraisal assessment.Maintain records of approvals including policy exceptions, declines, and withdrawals.Job RequirementsMinimum 2 years of experience in credit underwriting.Bachelor’s degree in Accounting, Finance, or related area with the ability to interpret and understand financial statements (formal credit training preferred).Strong analytical and research skills.Strong communication skills, both verbal and written.Strong underwriting skills for various asset classes in commercial real estate, SBA, and C&I lending.Excellent experience in analyzing various asset classes, property, and cash flows.Ability to work independently when problem-solving and underwriting loan proposals, and with members of the entire commercial lending team, as necessary.Ability to process modifications, renewals, and extensions in a timely manner.Meets turnaround requirements of a high-volume loan production environment while maintaining strong quality of work produced.Must be well organized with good time management and project management skills.Demonstrated problem-solving skills and the ability to blend technical knowledge and good business judgment.Experience in Microsoft Office, Word, Excel applications, as well as the ability to learn and adapt to internal bank systems.Location:
222 Bruce Reynolds Blvd., Fort Lee, NJ, 07024
Salary Range:
$85,000 ~ $100,000 / yr
To apply, please submit your resume and a cover letter to:
careers@hanabank.us .Hana Bank USA, National Association, Healthy Finance, Happy Together
#J-18808-Ljbffr
Responsible for financial analysis of complex loans, industries, and customers.Underwrites loans and performs historical business financial analysis and cash flows.Performs and constructs global cash flow analysis of a guarantor’s financial position through an in-depth investigation of personal financial statements, tax returns, and credit reporting documentation.When applicable, considers and discusses alternative structures and overall assessments with the deal team.Conduct extensive due diligence, prepare credit committee package, execute transactions, and provide ongoing portfolio monitoring.Analyze financial statements, explaining the impact of balance sheet and income statement changes, trends, and margins.Perform analysis of risks/mitigants, management, collateral, and guarantors (among other credit considerations) to determine the viability of loan requests.Evaluate financial stability, debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment, and industry concerns and possible effects on the commercial relationship.Support other credit risk management activities, including those related to internal/external audits, loan reviews, and regulatory compliance matters.Preparation of sensitivity and stress scenarios, and appraisal assessment.Maintain records of approvals including policy exceptions, declines, and withdrawals.Job RequirementsMinimum 2 years of experience in credit underwriting.Bachelor’s degree in Accounting, Finance, or related area with the ability to interpret and understand financial statements (formal credit training preferred).Strong analytical and research skills.Strong communication skills, both verbal and written.Strong underwriting skills for various asset classes in commercial real estate, SBA, and C&I lending.Excellent experience in analyzing various asset classes, property, and cash flows.Ability to work independently when problem-solving and underwriting loan proposals, and with members of the entire commercial lending team, as necessary.Ability to process modifications, renewals, and extensions in a timely manner.Meets turnaround requirements of a high-volume loan production environment while maintaining strong quality of work produced.Must be well organized with good time management and project management skills.Demonstrated problem-solving skills and the ability to blend technical knowledge and good business judgment.Experience in Microsoft Office, Word, Excel applications, as well as the ability to learn and adapt to internal bank systems.Location:
222 Bruce Reynolds Blvd., Fort Lee, NJ, 07024
Salary Range:
$85,000 ~ $100,000 / yr
To apply, please submit your resume and a cover letter to:
careers@hanabank.us .Hana Bank USA, National Association, Healthy Finance, Happy Together
#J-18808-Ljbffr