BBVA Compass

  • Commercial UW II or III

    Job ID
    2018-113862
    Category
    CORPORATE RISK
    FLSA Status
    EXEMPT
    Type
    FULL TIME
  • Overview

    At BBVA, we are working to make banking better for everyone. That is where you come in. We are looking for smart, team oriented people who want to be part of a first-class workforce that gives people the tools they need to meet their financial goals, all while delivering an outstanding client experience. Learn more below.

    Responsibilities

    This position is specifically for underwriting International Commercial and International Wealth Management transactions.  This position underwrites loan requests in a high-volume environment, while adhering to department/bank policies and guidelines. 

     

    RESPONSIBILITIES:

    • Assists and counsels originators in qualifying loans, determining borrower's needs, determining appropriate commercial loan product in light of needs, and obtaining requisite financial data.
    • Reviews credit requests, business reports and consumer bureaus as needed.
    • Evaluates collateral adequacy, industry risk, purpose and viability of business. 
    • Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan.
    • Determines appropriate structure and pricing in light of borrower type, industry, collateral, and risk and documenting any deviations from the prescribed structure.
    • Assesses strengths and weaknesses of loan requests.
    • Completes financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis.
    • Thoroughly documents the credit request in the appropriate format.
    • Verifies underwriting conditions and additional approval requirements are satisfied.
    • Ensures effective communication between Relationship Managers, Loan Administration, Loan Documentation & Funding Control and other departments involved in the loan process. 
    • Strives to minimize turnaround-time while thorough documenting credit requests.

    Qualifications

    GENERAL QUALIFICATIONS:

    • Bachelor’s degree in business related field with emphasis in management, accounting, finance or a related field or equivalent professional experience.
    • All candidates must have superior verbal, written and organizational skills and possess an understanding of business and personal financial statements. 
    • All candidates must be able to analyze financial statements and other information that may be in Spanish.
    • Must be able to prioritize tasks demonstrating both management skills and ability to achieve communicated deadlines.
    • High integrity and respect for confidentiality are invaluable.
    • Excellent computer skills with proficiency in Microsoft Office applications.
    • Professional phone and communication skills are required.
    • Fluency in Spanish is required (speaking, writing, reading).

     

    EXPERIENCE:

     

    Commercial Underwriter II:

    Bachelor’s degree in business related field with emphasis in management, accounting, finance, or a related field. Candidates must have 18 to 36 months of previous underwriting or credit analysis experience. 

     

    Commercial Underwriter III:

    Bachelor’s degree in business related field with emphasis in management, accounting, finance, or a related field. Candidates must have 3 plus years of previous underwriting or credit analysis experience. 

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