SME and Business Loan Underwriter  

• Reviews, processes, and recommends with the prescribed turnaround time loan applications applying for any commercial loans of T3 such as but not limited to RPNL, RD, STL, MC Fleet Financing, Accreditation of Employers for Group Salary Loans, etc.
• Analyze financial data related to loan requests.
• Evaluate loan documents to ensure accuracy and completeness.
• Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.
• Monitor and report noncompliance with loan covenants.
• Maintain client relationships and provide superior customer service.
• Impartial, objective, and will work with different units across the group of companies to complete the given task. Directly involved in the formulation of new or better procedures governing commercial loan products subject to the approval of management.
• Assist in the generation of new business loan applications for RPNL/RD/STL and GSL accreditation
• And other tasks that maybe assigned from time to time that will support the goals of the organization.

Education and Experience Requirements:

• Bachelor’s degree in Business, Finance, Accounting, or a related field
• 3-5 years of underwriting or credit and risk analysis experience
• Experience with underwriting automation tools preferred
• Demonstrated proficiency with Microsoft Office (Excel, Outlook)
• Good communication and presentation skills;
• Excellent problem-solving skills;
• Applied knowledge of underwriting fundamentals and standard industry practices
• Understanding of basic financial principles and processes
• Knowledge of regulatory requirements
• Ability to maintain confidentiality
• Strong analytical skills and attention to detail
• Excellent communication and negotiation skills
• Ability to multitask and work under pressure to meet strict deadlines