HCi Advisory Group (formerly Human Capital Initiatives) · 1 day ago
Senior Underwriter
Winston-Salem, North Carolina, United States
Full-time
Hybrid
Mid, Senior Level
$83K/yr - $110K/yr
5+ years expHCi Advisory Group is seeking a Senior Underwriter to play a pivotal role in evaluating, structuring, and managing their small business lending portfolio. This role involves underwriting loan requests, managing the loan pipeline, and ensuring high-quality financial services to small business clients.
AdviceConsultingHuman ResourcesRisk Management
Responsibilities
Build and maintain relationships with lenders, borrowers, referral sources, lending partners, and technical assistance providers
Review credit memos for financing over $100,000 to ensure compliance with lending policies, grant requirements, and regulations
Analyze financial statements, tax returns, and documentation to evaluate creditworthiness and business viability
Exercise delegated loan approval authority and provide data-supported recommendations to the Chief Credit Officer and Investment Committee
Supervise, coach, and provide technical guidance to Credit Analysts and team members
Improve operational efficiency through process innovation, technology adoption, and cross-training
Collaborate with lenders to structure loans that meet client needs while managing risk
Monitor portfolio performance, analyze trends, and ensure adherence to quality metrics
Provide subject-matter expertise, mentoring, and support for staff development
Stay current on industry-related trends, market conditions, regulatory updates, and credit risk best practices
Engage with clients on credit evaluation, loan structuring, and portfolio management questions
Assist with cross-sales opportunities, servicing information, credit documentation, and client calls as needed
Represent PCAP with referral partners, technical assistance providers, government agencies, and community stakeholders
Contribute to ongoing improvements in underwriting procedures, documentation standards, and risk assessment frameworks
Qualification
Required
Bachelor's degree in finance, business, or related field
5 to 7 years of experience in commercial lending, underwriting, or a related field
2 to 3 years of supervisory or team leadership experience
Expertise in commercial credit analysis, financial modeling, and risk assessment
Proficiency with loan origination and portfolio management systems
Strong Excel skills and proficiency in Word, Outlook, and analytical tools
Collaborative, mission-driven professional who demonstrates integrity and a strong commitment to ethical lending
Advanced analytical skills and a deep understanding of credit risk and loan structuring
Proven track record of managing high-quality portfolios and achieving strong performance outcomes
Ability to communicate clearly and build trust with diverse clients, staff, and partners
High emotional intelligence and a team-oriented mindset
Detail-oriented, strategic, and able to manage multiple priorities
Commitment to PCAP's mission and the values that guide our work as a CDFI
Preferred
Experience with CDFIs, SBA lending, or mission-based finance strongly preferred
Salesforce experience and data integration knowledge preferred
Familiarity with CDFI Fund reporting and SBA lending processes a plus
Benefits
Medical
Dental
Vision
Life
Short-term, and long-term disability insurances
403(b) retirement plan
Flexible Spending Account (medical and dependent care)
Paid time-off and holidays
Professional development
Other benefits and perks
Company
HCi Advisory Group (formerly Human Capital Initiatives)
HCi Advisory Group (formerly Human Capital Initiatives) helps organizations unlock potential and deliver results.
Founded in 2003Washington, District of Columbia, USA
2-10 employees
Funding
Current Stage
Early StageLeadership Team
Jason Geno
Founder & Managing Principal
Recent News
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