SUMMARY:

Underwrite transactions, in a fast-paced environment, that support the verticals within ENGS Commercial Finance Co.

DUTIES AND RESPONSIBILITIES:

• Review applications for accuracy.
• Decision transactions up to $175K.
• Underwrite and present transactions to management that exceed credit authority by accurately determining total exposure and recommending applicants accordingly.
• Review and analyze public information such as Dun & Bradstreet reports, Paynet reports, Secretary of State corporate name verifications, Safer reports, Credit Bureau reports etc.
• Call, fax or email for credit references.
• Review existing customers for additional exposure to determine if applicant stays in flow for underwriting or needs to be reviewed by Fleet for further consideration.
• Research industries, markets and equipment as requested.
• Communicate via phone, email or in person with peers and other departments in a professional manner.
• Communicate via phone or email Dealers, Manufacturers and Clients.
• Assisting in additional projects as needed by Management.
• Performs other related duties as assigned by management.

QUALIFICATIONS:

• 4 year Bachelor’s degree required with a major in finance preferred
• Ability to spread and analyze financial statements.

COMPETENCIES:

• Diversity – Demonstrates knowledge of EEO policy.
• Ethics – Treats people with respect. Upholds organizational values.
• Adaptability – Adapts to changes in the work environment.
• Analytical – Collects and researches data
• Attendance/Punctuality – Is consistently at work and on time. Ensures work responsibilities are covered when absent.
• Business Acumen – Aligns work with strategic goals.
• Change Management -Communicates changes effectively.
• Cost Consciousness – Works within approved budget.
• Customer Service – Responds promptly to customer needs.
• Dependability – Follows instructions, responds to management direction.
• Initiative – Asks for and offers help when needed.
• Innovation – Meets challenges with resourcefulness.
• Judgement – Includes appropriate people in decision-making process.
• Motivation – Measures self against standard of excellence.
• Oral Communication – Speaks clearly and persuasively in positive or negative situations.
• Organizational Support – Follows policies and procedures. Completes administrative tasks correctly and on time.
• Planning/Organizing – Uses time efficiently.
• Problem Solving – Identifies and resolves problems in a timely manner. Gathers and analyzes information skillfully.
• Professionalism – Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
• Quality – Demonstrates accuracy and thoroughness. Applies feedback to improve performance.
• Quantity – Meets productivity standards. Completes work in timely manner.
• Safety and Security – Observes safety and security procedures.
• Teamwork – Balances team and individual responsibilities. Exhibits objectivity and openness to others’ views.
• Technical Skills – Strives to continuously build knowledge and skills.
• Written Communication – Writes clearly and informatively.

PHYSICAL DEMANDS AND WORK ENVIRONMENT:

• Occasionally required to stand, walk or sit.
• Frequently required to utilize hand and finger dexterity.
• Occasionally required to bend, stoop.
• While performing the duties of this job, the noise level in the work environment is usually quiet.
• The employee must occasionally lift and /or move more than 10 pounds.
• Specific vision abilities required by this job include: Close vision.