TCM Bank is in Tampa, FL. This is a remote opportunity. If living outside of the area, travel expectations would be at least 4 times (overnight travel) per year. Qualified candidates located in the states where we do business will be considered: AL, AZ, DC, FL, GA, IA, KY, MA, MD, MI, MO, NE, NC, OH, PA, SC, TX, & VA.

SUMMARY:

The Senior Underwriter is responsible for underwriting small business, corporate, municipal, and non-profit credit card applications, and credit line increase requests. The role will also support consumer application underwriting as needed. The senior underwriter performs the necessary credit analysis, due diligence, and regulatory review for all credit requests with accuracy in a high-volume production environment.

DUTIES & RESPONSIBILITIES:

1. This position requires in-depth knowledge to read, analyze and interpret personal and corporate financial documents including the balance sheet, income statement, tax returns and cash flow statement.   
2. Underwriter must have the ability to apply mathematical concepts to analyze and interpret final statements of commercial clients providing a more comprehensive picture of the company’s financial stability and their ability to repay debt. 
3. Underwriter must be able to compare a company to the industry standard.
4. Underwriter must have the ability to effectively present information to the Bank’s Loan Committee and communicate with loan account officers. 
5. Underwriter must demonstrate strong sense of logic and common-sense lending without increasing bank’s credit risk. 
6. The position works closely with Management to establish and maintain an even workflow with constant processing turnaround times to meet service level agreements and goals. 
7. This position provides backup for department leaders as needed. 
8. Emphasis is placed on quality credit, lending practices, policy, and procedures, Federal and State Regulations and Client Relations.
9. Other duties as assigned. 

QUALIFICATIONS:

• Bachelor’s degree in business, finance, or math and / or 3+ years’ experience in underwriting credit card, small business, consumer lending or related field.
• In-depth knowledge of credit, small business underwriting and risk analysis.
• Prior use of automated processing and data base platforms.
• In-depth knowledge of Federal and State Lending Regulations.
• Strong analytical and problem-solving skills.
• Strong oral and written communication skills.
• Ability to work with minimum supervision.
• Excellent organizational and time management skills.
• Must be able to work in a high-volume production environment.
• Self-motivated team player with high level of initiative, accountability, and adaptability.

TCM Bank, N.A. embraces the diversity of its applicants and employees and is proud to be an equal-opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, veteran status or any other characteristic protected by applicable law.

The actual compensation offered to the candidate will be finalized at the offer and may be above or below the posted range due to skill level, experience, industry-specific knowledge, education/certifications, etc.  The offer rate represents one component of TCM Bank's total compensation package.  Employees will also receive several benefits as listed below.  Other compensation for this position may include bonus eligibility in the TCM Bank Annual Bonus Plan.

Benefits Offered:

• Competitive medical, dental and vision benefits
• 401(k) and Roth 401(k) retirement plans with company match
• Flexible spending accounts (medical and dependent care)
• Company-paid parental leave
• Educational assistance
• Company-paid continuing education credits 
• Paid employee assistance program
• 12 paid holidays, including (3) Paid Employee Appreciation days each year, (2) Celebrate You Days for your Birthday & Anniversary, and company events. (More than your average company!)
• Multiple time-off options for vacation, volunteering, or caring for yourself or loved ones.

TCM Bank is in Tampa, FL. This is a remote opportunity. If living outside of the area, travel expectations would be at least 4 times (overnight travel) per year. Qualified candidates located in the states where we do business will be considered: AL, AZ, DC, FL, GA, IA, KY, MA, MD, MI, MO, NE, NC, OH, PA, SC, TX, & VA or will be willing to relocate (TCM does not provide relocation).

No sponsorships available for this position.

Principals Only. No Agencies Please.