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Job Snapshot
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Employee Type:
Full-Time -
Location:
St. Petersburg, FL -
Experience:
Not Specified -
Date Posted:
9/30/2024
Job Description
Job Summary:
Under limited supervision, uses extensive knowledge and skills obtained through formal education and/or work-related experience to act as an underwriter of consumer lending applications, particularly securities based lending, ensuring excellent service is provided, a profitable loan is originated, and all standard underwriting guidelines are met. This position requires the analysis of standard and more complex loan structures, documentation review, and collateral analysis by using independent judgment and making relatively complex decisions to approve loans generally within established policy. Works under limited supervision, accountable for quality/reliability of work performed.
Essential Duties and Responsibilities:
Job Requirements
Knowledge, Skills, and Abilities:
Knowledge of:
Raymond James Bank underwriting guidelines.
Principles, practices, concepts, and procedures of underwriting.
Complex entity and trust structures and documentation.
Not for profit lending.
Letters of Credit structure and documentation.
International client lending.
Financial markets and securities based lending.
Skill in:
Data analysis.
Critical thinking and problem solving.
Organizational skills, including a high level of accuracy and attention to detail.
Effective oral and written communications sufficient to convey details of loan request, exceptions, credit approval and underwriting/approval processes.
Word processing, spreadsheet and typing sufficient to produce spreadsheets with basic formulas.
Operating standard office equipment and using required software applications.
Ability to:
Conduct analysis including basic math, competency with decimals and fractions.
Analyze client documents, interprets findings, and may prepare reports of collateral position and credit worthiness.
Articulate reasons behind decisions. Clearly communicate regarding decisions, exceptions, changes, and other relevant information.
Organize, manage, and track multiple detailed tasks and assignments with frequently changing priorities and deadlines.
Educational/Previous Experience Requirements:
Bachelor%26rsquos degree in Finance, Accounting or Business Administration with a minimum of three (3) years of consumer underwriting experience, preferably with experience in securities based lending.
~ OR ~
An equivalent combination of experience, education and/or training approved by Human Resources.
Licenses/Certifications:
None required
At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm%26#39s core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
Grow professionally and inspire others to do the same
Work with and through others to achieve desired outcomes
Make prompt, pragmatic choices and act with the client in mind
Take ownership and hold themselves and others accountable for delivering results that matter
Contribute to the continuous evolution of the firm
