Vice President Commercial Underwriter III (San Antonio TX)

Job Title
Vice President Commercial Underwriter III (San Antonio TX)

Job Description
Vice President Commercial Underwriter III (San Antonio TX)
Summary:
The incumbent is responsible for evaluating commercial loan applications for new loan facilities, as well as for processing loan renewals and extensions, all in accordance with business unit standards. Additional scope of responsibilities includes performing due diligence and gathering information as necessary to make sound lending decisions. The incumbent will also perform other duties as necessary to support the goals and objectives of the Commercial Lending area and the line of business unit.

Responsibilities:
- Structure and underwrite routine to moderately complex credit facilities in a manner which achieves the Banks profitability goals while staying within the Banks risk parameter
- Review and analyze financial statements, tax returns and cash flow statements of Borrowers and Guarantors.
- Understand and employ all policies and procedures of the Bank and the Line of Business.
- Prepare written credit approval memoranda and ancillary forms for routine to moderately complex credit facilities.
- Partner with Loan Administration and outside counsel in the preparation, review and approval of loan documentation to ensure the documents meet agreed upon business terms and satisfy the specific requirements of the appropriate credit approval authority.
- Determine the proper risk rating for all facilities within an assigned loan portfolio and complete the required paperwork for any rating changes.
- Partner with Relationship Managers to cultivate excellent client relationships. Exhibit a sense of urgency towards meeting client requests while also meeting acceptable risk parameters.
- Understand and promote bank products to assist the Relationship Managers in meeting profitability targets.
- Foster an open dialogue and strong working relationship with Risk Management, Loan Administration, Special Assets and other groups that support and review the line of business.
- Remain up-to-date on all bank compliance regulatory policies and procedures and on all pending and proposed regulatory changes affecting bank compliance.
- Complete Annual/Periodic Review, interim financial analysis and associated due diligence.
- Obtain all financial information necessary to properly monitor and assess the risk of the credit.
- Review and reassess Dual Risk Ratings.
- Prepare and reassess Borrowing Base tracking reports.
- Calculating and testing covenant compliance.
- Prepare the appropriate forms for the Vulnerable and Criticized credit meetings.
- Resolve document/covenant issues, including documentation exceptions.
- Contact Borrower for past due payments and overdue financial reporting/document requirements.
- Order and reviewing Field Examinations, Appraisals and Environmentals.
- Timely problem recognition and effectively communicating credit issues with Risk Management and Relationship Management.
- Identify potential structural enhancements in order to improve the credit and reduce risk.
- Attend Bank meetings on Syndicated Credits.
Qualifications
Basic Qualifications:
- Bachelors Degree or military experience
- Minimum of 3 years experience in commercial underwriting

Preferred Qualifications:
- Bachelors Degree with a concentration in business, accounting or finance.
- 3 years in commercial banking or related financial industry, with a focus on underwriting and credit statement analysis or 3 years of experience as Commercial Underwriter II
- Ability to write in a concise and clear manner to convey complex information.
- Strong interpersonal skills and ability to communicate effectively.
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

Capital One is an equal opportunity employer committed to diversity in the workplace.

Capital One promotes a drug-free workplace.

No agencies please.

Job Business and Commercial Banking
Primary Location United States-Texas-San Antonio-San Antonio-Commercial Banking (31036)
Schedule Full-time
Travel Yes, 10 % of the Time


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Desired Skills and Expertise
Bachelor's Degree

Industry
Business Development

Experience
2 - 5 years

Job Type
Full Time

Salary / package
Not Specified

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