Credit Manager:Underwriting-Secured Business

Key Responsibilities

• Review and evaluate loan applications for secured business loans, analyzing financial statements, credit reports, and other relevant documents
• Conduct comprehensive risk assessments considering financial stability, industry trends, market conditions, and collateral value
• Assess and validate collateral to ensure adequate security for loans in compliance with internal and regulatory guidelines
• Ensure adherence to underwriting guidelines, lending policies, and regulatory requirements throughout the loan approval process
• Make informed lending decisions balancing organizational objectives with prudent risk management
• Communicate effectively with loan officers, borrowers, and stakeholders to gather information and convey decisions
• Verify and review loan documentation for accuracy, completeness, and compliance with policies
• Monitor the secured loan portfolio and identify potential risks, taking proactive measures to mitigate losses
• Stay updated on industry trends, regulatory changes, and best practices, recommending process improvements
• Collaborate with risk management, legal, and compliance teams to align underwriting practices with organizational and regulatory standards