Underwriter

The Underwriter will be responsible for evaluating and underwriting credit applications, as well as ensuring compliance with company policies and regulatory guidelines. This role demands a high level of quality and precision, with strict adherence to processing timelines.

Job Duties And Responsibilities

• Responsible for reviewing and analyzing credit applications to determine creditworthiness.
• Must assess financial statements, credit reports and other relevant documentation.
• Responsible for maintaining compliance with all relevant laws, regulations and company policies for new and existing loans.
• Must act as a line of defense in managing reconciliations, identifying crop mix changes, as well as out of compliance issues.
• Provide analytical reviews for any loan amendments or modifications.
• Ensure all credit decisions are documented accurately and comprehensively.
• Responsible for the following metrics:
• $0-1mm dispositioned in 30 minutes.
• $1-3mm dispositioned in 45 minutes
• $3mm+ dispositioned in one (1) hour.
• Clear all conditions on files within 2 hours of receipt.
• Address and clear risk review failed files within 2 hours of receipt.
• Reconciliation completed in Synthesis within 30 minutes every time there is a payment processed.
• Underwrite and review loan for adjustment after Insurance certification.
• Send loan documents within 15 minutes of final approval.
• Addendums sent within 15 minutes of reconciliation completion.
• Respond to and process customer-requested changes, including conducting verification calls.
• Maintain a quality score of 90% or higher with 99% accuracy based on quality audit scores.
  

Experience, Qualifications And Requirements

• Preferred Degree in banking, finance, accounting, statistics, or economics-related field.
• Bilingual (English/Spanish) preferred.
• Minimum 2 years’ experience in a banking or finance-related field.
• Experience in commercial credit underwriting / analysis.
• Completion of a credit training program preferred.
• Experience in underwriting or a similar role.
• Strong organizational and time management skills.
• Strong written and communication skills.
• Exceptional attention to detail and accuracy.
• Ability to work efficiently under tight deadlines.
• Ability to travel, on occasion, as needed by the Company.
  
  
  

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Generally required to stand, walk, sit, use hands, handle documents, bend and stoop as needed, and reach with hands and arms.
• Required to use a keyboard and computer regularly.
• Specific vision abilities required, including those required to perform extensive computer-related work.
• Must be able to verbally communicate with others and exchange accurate information.
• Ability to receive detailed information through oral communication, and to distinguish sound and perceive the nature of sounds at normal speaking levels with or without correction.
  
  
  

Work Environment

The work environment conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e., home office with computer, phone, and printers).
• Ability to sit at a computer for an extended period.
• Must be able to perform all the essential duties of the job with or without reasonable accommodation.
  
  
  

About Ag Resource Management

Ag Resource Management, LLC (ARM) is a technology-based financial solutions provider, offering innovative lending products and services to the agricultural industry. ARM’s commitment to agriculture and its unique underwriting approach are unsurpassed in the industry. Our production lending and crop insurance services have helped thousands of farmers with millions of acres over the past several years.

The opportunity to work at ARM includes:

• 401(k) (Roth and Traditional options) with employer match and vesting
• Paid Time Off (PTO)
• Competitive compensation and benefits package