Summary: As the Manager of Credit Underwriting, you will provide value to Vancouver-based Accord\xe2\x80\x99s Small Business Finance group by analyzing financial statements, collateral reports, borrowing base certificates, and other relevant information. In addition, you will be responsible for documenting, presenting, and authorizing (within personal credit limit) transactions. The role involves interaction with clients and partners within Accord Financial Corp., ensuring compliance with internal policies and regulatory requests. Essential Duties and Responsibilities:
Analyze potential client credit requests, draft, and present Credit Approval Request Memorandums in close coordination with senior leadership and other team members.
Negotiate deal structures with origination partners, both internal and external, consistent with the credit framework.
Participate as an active member of the business unit credit team, perform due diligence and underwriting of prospective clients.
Responsible for the adjudication of credit files within your limit.
Monitor and review client financial and collateral reporting.
Collect and review client borrowing bases.
Spread and analyze financial statements with a focus on prior-period trends, budget and peer groups.
Confirm compliance with financial covenants.
Assess internal risk ratings; recommend updates as warranted.
Maintain responsibility for the completion and accuracy of the Monthly Portfolio Review reports, regulatory reporting, and other information requests.
Contribute to policy and process development pertinent to the revolving loan product.
Prepare and assist other portfolio reports as required.
Leadership Competencies:
Results Oriented
Two-way Communication
Building Relationships
Critical Thinking and Decision Making
Adaptability and Change Leadership
Technical/Functional Expertise
Education / Experience Requirements:
Bachelor\xe2\x80\x99s Degree in business, finance, accounting or related field required
Minimum of 3- 5 years of small business banking or lending experience
Experience with revolving lines of credit
Experience with score-based underwriting products
Familiarity with asset-based lending models
Ability to review and analyze consumer and commercial credit reports.
Ability to review and analyze collateral reports and asset appraisals.
Strong analytical and quantitative skills
Strong written and verbal communication skills
Strong understanding and familiarity with various types of financial statements and financial audit reports
Experience
Required
5 year(s): Minimum of 3- 5 years of small business banking or lending experience
Education
Required
Bachelor\'s degree or better in Finance or related field
Behaviors
Required
Team Player: Works well as a member of a group
Thought Provoking: Capable of making others think deeply on a subject
Functional Expert: Considered a thought leader on a subject
Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well
Motivations
Required
Growth Opportunities: Inspired to perform well by the chance to take on more responsibility
Goal Completion: Inspired to perform well by the completion of tasks
Financial: Inspired to perform well by monetary reimbursement
Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization
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