Commercial Underwriter Senior (Equipment Finance)

We are a hybrid, remote-office company dedicated to growing our talent anywhere! We have onsite locations in: Sioux Falls, SD,  Scottsdale, AZ,  Louisville, KY,  Troy, MI,  Franklin, TN,  Easton, PA. At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.  We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products. We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success.  We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. About the Role: Responsible for underwriting loans in a timely manner, resulting in an acceptable level of credit risk and an appropriate risk return relationship. Facilitate the booking of new loans, ensuring customers understand our company's requirements and their responsibilities. Manage the entire underwriting process through closing. What You Will Do: Underwrites the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner. Understands and applies credit policies, corporate Program Standards, and minimum underwriting standards. Collaborates closely with the various Business Development Officers to provide a consultative/value added credit perspective, both prior to proposal issuance and thereafter. Reviews and analyzes new deal packages for content and completeness. Orders and reviews due diligence and documentation. Reviews and analyzes financial statement spreads and understand cash flows. Reviews and understands collateral and financial trends indicated therein.  On occasion, be willing to visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount. Gains a thorough understanding of the prospect's business and what is impacting the company’s growth, or declining, performance. Reviews reporting requirements and processing with clients. Analyzes debtor information in conjunction with Debtor Credit Manager. Prepares the credit narrative/CAR (Credit Approval Report) for appropriate approval and/or credit committees. Reviews the closing documentation and effectively negotiate with the prospect client, internal/external legal counsel, and/or other transaction stakeholders Mentors and trains analysts, and less experienced business development representatives. Other duties as assigned. What You Will Need: Bachelor's degree or equivalent education and work experience. 5+ years releva...