BBVA Compass Jobs

Job Information

BBVA COMMERCIAL UNDERWRITER III in HOMEWOOD, Alabama

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Area:

GLOBAL RISK MANAGEMENT

Deadline for applying:

1/1/2021

Company:

USA - Compass Bank dba BBVA Compass

What does the job entail?

This position underwrites loan requests in a high-volume environment, while adhering to department/bank policies and guidelines.

Responsibilities

Assists and counsels originators in qualifying loans, determining borrower's needs, determining appropriate commercial loan product in light of needs, and obtaining requisite financial data. Reviews credit requests, business credit scores, business reports and consumer bureaus.

Evaluates collateral adequacy, industry risk, purpose and viability of business. Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan.

Determines appropriate structure and pricing in light of borrower type, industry, collateral, and risk and documenting any deviations from the prescribed structure. Assesses strengths and weaknesses of loan requests.

Completes financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis. Thoroughly documents the credit request in the appropriate format.

Verifies underwriting conditions and additional approval requirements are satisfied. Ensures effective communication between Relationship Managers, Loan Administration, Loan Documentation & Funding Control and other departments involved in the loan process.

Education/Experience

Bachelor's Degree (BA, BS, etc.) in Accounting, Finance, Management, or a Business related field required with Three (3) years of underwriting or credit analysis experience. Work experience may substitute for education requirement.

Lic/Cert/Reg

Required: None required

Preferred: None preferred

Note: This job has multiple levels (i.e. I, II, III, etc.). The posted job description includes the qualifications associated with the entry level position. If hired, you may be placed at a level above the entry level position. The level of placement will be based on experience, education and skills.

Preferred qualifications

Note: Required to meet credit history and criminal background requirements associated with Nationwide Mortgage Licensing System and Registry registration process, to include FBI fingerprint criminal history report and review of credit report

Note: Must meet credit history and criminal background requirements associated with Financial Industry Regulatory Authority registration process, to include FBI fingerprint criminal history, review of credit report, civil litigation, liens, and other public records

Legal requirements

Pay Transparency Policy Statement

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information (41 C.F.R. 60-1.35 (c)).

Individuals with Disabilities

BBVA Compass, BBVA Securities Inc., and BBVA S.A. New York Branch invite all interested and qualified applicants to apply for employment opportunities. If you are a U.S.-based job seeker with a disability who is unable to use our online tools to search and apply for jobs, please contact us by emailing:disabilityaccessjobs.us@bbva.comor by calling toll-free (in the U.S.) 1-844-664-9275. Please indicate the specific type of assistance needed*.

*The disability access telephone line and email address are reserved solely for job seekers with disabilities requesting accessibility assistance or an accommodation. Please do not call about the status of your job application if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related or technical issues, will not receive a response.

EEO Statement

BBVA Compass, BBVA Securities Inc., and BBVA S.A. New York Branch have a firm and unwavering policy to provide equal employment opportunity without regard to age, citizenship, color, disability, ethnic origin, gender, gender identity and expression, marital status, nationality, national origin, race, religion, sexual orientation, genetic predisposition, protected veteran status, or any other status or classification protected by federal, state or local law. This policy includes all job groups, classifications and organizational units. With regard to employment, this policy extends to applicants and covers our recruiting, hiring, promotion, transfer, demotion, discipline, termination, benefits, compensation and training practices as well as social and recreational activities.

View the "EEO is the Law" & "View the EEO is the Law Supplement Poster" poster. BBVA Compass, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer.

Working at BBVA

BBVA is a global company with over 160 years of history present in 30 countries with over 79 million customers. We are more than 125,000 professionals working in multidisciplinary and diverse teams.

At BBVA, we are ahead of the transformation that is taking place in the banking sector, challenging the status quo, to make life easier to our customers.

Being part of BBVA means developing your career in one of the most innovative companies in finance.

Responsible banking

We're committed to responsible banking to help drive a more inclusive and sustainable society. The future of banking lies in financing the future.

We started out with the spirit of helping others make the best financial decisions. That spirit remains with us today and encourages us to keep moving forward, prioritizing innovation and digital transformation so that we can put the opportunities of this new era within everyone's reach.

Diversity

At BBVA, we believe that having a diverse workforce makes us a better bank. We are proud to be a company that prioritizes diversity, inclusion and equal opportunities, regardless of the race, age, gender, ethnicity, disability, religion or sexual orientation of our employees and collaborators.

Our values

Our values define our identity; they are what drives us to make our goals a reality and they guide all of our actions and the decisions we make.

Customer comes first

We think big

We are one team

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