Commercial Services Senior Underwriter

GREENSTATE CULTURE: At GreenState, ourpurpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success—now andin the future—isdeeplyrooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment tolivingour values is what brings our mission to life. Salary range for this position is $103,793.30 - $121,346.42 with a progressive benefit package.

Responsibilities: Performs essential duties and responsibilities in the following areas which may include, but are not limited to those listed and are subject to change: Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision. Demonstrates teamwork in all interactions with co-workers and in the completion of all duties and responsibilities. Provides the highest level of internal and external customer service. Ensures confidentiality of member information. Participates in community events to increase the credit unions’ visibility and to enhance and seek new business opportunities. Plays a vital role by participating in community service organizations and/or credit union sponsored events, on an annual basis. Develops analysis of market, loan, borrower, and lender risks based on portfolio data. Develops and presents analysis of risk for new loan originations to respective Commercial Lender, Executive Vice President of Commercial, and Commercial Loan Committee. Makes underwriting decisions and risk rating assessment recommendations. Assists the Commercial Lenders in obtaining and analyzing current financial/collateral information on existing loans for the purpose of conducting periodic reviews to determine the ongoing credit worthiness of the borrower and documents the review in the standard Annual Review format or file memo, consistent with policy requirements. Identifies emerging risk issues and trends and presents analysis to the Executive Vice President/Commercial Services and Commercial Loan Committee with recommendation. Ensures that loan quality and compliance with State and Federal regulations and guidelines and within GreenState policies and procedures. Prepares spreadsheets or other statement spreads for the purpose analyzing current and historical financial information. Researches and responds to internal (co-worker) and external (member or authorized third party) requests for financial information on commercial members. Trains and provides guidance for other Commercial Underwriters within the department. Ensures credit presentations prepared within the department are accurate and complete. Works with Commercial Underwriters to ensure consistency in underwriting, spreading, and loan presentations. Act as a resource for all Commercial Services team members in order to facilitate loan processes. Researches regulations and coordinates the drafting of policy changes, assists in staff training and development pertaining to policy and regulations. Provides support and assistance during internal, state, and federal PI730f4d4e3e31-38059-40720271