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- Reviews initial loan application packages from Sales to determine eligibility and additional required documentation.
- Ability to structure package to fit within minimum requirements of products available.
- Knowledge of Business and Personal Tax Returns, Interim Financials, Bank Statements etc.
- Decision file (decline, suspend, or submit for approval)
- Runs all background checks for business and merchant.
- Review 3rd party reports (Credit report, Business Experian, CAIVRS etc.)
- Sets-up call and discusses file with client (initial interview)
- Review completed file for underwriting. Ensures all information is received prior to underwriting.
- Underwrites the transaction and Prepares package for third party approval.
- Ability to structure and analyze complex commercial credit transactions.
- Excellent verbal and written communication skills.
- Sophisticated word processing and computer database skills, especially in Microsoft Word and Excel.
- Thorough knowledge of accounting principles, financial statement analysis, and banking operations and regulations.
- Good interpersonal skills with the ability to work effectively with individuals and groups at all organizational levels, ability to work independently and as part of a team.
- Strong analytical ability with active listening skills.
- Willingness to adapt to changing business needs and deadlines, including extended work hours.
- Exhibit a professional, business-like appearance and demeanor.
- Minimum 5-7 years of relevant experience and in-depth understanding of Commercial C&I and real estate financing, and closing, procedures.
- Minimum B.A. in a related field of study (Finance, Accounting, Business Administration).
- Ability to manage and underwrite complex transactions with limited guidance
- Experience managing team members
- Strong knowledge of financial services.
- Outstanding communication and relationship management skills
- Excellent verbal and written communication skills.
- Advanced computer proficiency.
- Ability to travel, work flexible schedules, and cover different locations if requested.
- Bilingual English-Spanish preferable
- Attain customer's satisfaction.
Credit Executive I - Los Angeles, United States - Lendistry
Description
ABOUT LENDISTRY
Lendistry is the country's largest minority-led and technology-enabled small business and commercial real estate lender with Community Development Financial Institution (CDFI) and Community Development Entity (CDE) certification.
We are a national employer whose mission is to provide economic opportunities and progressive growth for small business owners and their underserved communities as a source of financing and financial education.
GENERAL RESPONSIBILITIES
PROFICIENCIES
EDUCATION AND EXPERIENCE
SALARY
$103,900 - $138,900/Annually, depending upon experience and location