Summary: The Senior C&I Underwriter specializes in the evaluation of the credit worthiness of Commercial and Industrial (C&I) clients and is responsible for preparing complete and accurate credit analyses in a timely manner. The Senior C&I Underwriter determines the Borrower's ability to repay loans and lines of credit including those used to provide working capital for businesses, term financing for business and/or equipment acquisition as well as letters of credit. Previous experience underwriting C&I loans is key.

　　Salary commensurate with experience, ranging from $130,000 to $155,000 annually. The exact compensation may vary based on relevant experience, skills, education, training, licensure and certifications, and location.

　　All applicants must attach a recent resume.

　　Responsibilities:

　　Provide unbiased, objective and thorough underwriting analysis for new and existing credit proposals, including owner-occupied commercial real estate, business term loans, debt consolidation, lines of credit, standby letters of credit and loan participations/syndications.Conduct cash flow analyses (e.g., business, personal and global) to evaluate borrower's loan repayment ability and Identify the risks of the Borrower and Borrower's industry.Analyze balance sheets and gauge financial strength of loan applicants.Determine risk ratings using the Dime's internal tools and matrices.Review and analyze all 3rd party reports.Establish loan covenants and closing conditions.Prepare requests for loan modifications, extensions and exit proposals for maturing loans and lines of credit.Assess Dime's collateral coverage by creating borrowing base advance formulas and reviewing accounts receivable aging reports and inventory schedules.Identify policy exceptions and incorporate suitable mitigants into credit evaluations.Prepare and deliver the credit approval package to the appropriate authority level as required by the Dime's Credit Policy.Proactively communicate with loan officers, brokers, and clients during underwriting and loan review process.Participate in client meetings and conference calls.Conduct annual reviews of the existing portfolio.Provide analytical support for senior management as needed.

　　Qualifications:

　　Bachelor's degree and minimum 7 years' commercial banking / underwriting / lending experience in the middle market and C&I on Long Island and/or New York City; or equivalent combination of education and experience.Previous experience in C&I underwriting required.Strong understanding of loan risk factors.Demonstrated knowledge of credit and financial analysis techniques.Demonstrated ability to independently gather, consolidate, analyze, and summarize data and make recommendations for all levels of commercial credit relationships.Good interpersonal skills working with loan officers, credit officers, clients, and executive management.Knowledge of Abrigo/Sageworks End-to-End software system preferred.Effective time management, written and oral communication skills.Strong knowledge of Microsoft Office.