Ponce Bank · 22 hours ago
Senior Loan Underwriter
Bronx, NY
Full-time
Onsite
Senior Level, Lead/Staff
$110K/yr - $135K/yr
8+ years expPonce Bank is focused on enhancing performance and profitability in community-first banking. The Senior Loan Underwriter will manage the loan portfolio, evaluate applications, and build strong customer relationships while ensuring compliance with bank policies and regulations.
BankingFinancial ServicesLending
Responsibilities
Identify, review and analyze all relevant information in order to assess credit risk; determine profitability, strength of a guarantor or borrower, and sources of repayment
Coordinating work within different departments to collect and verify information and documentation, for accuracy, consistency, completeness, and compliance with Bank policies
Review and analyze financial information in order to determine profitability and strength of a guarantor or borrower while adhering to risk management and underwriting policies & procedures
Perform financial and cash flow forecasting analysis to include key financial ratios in order to determine debt repayment and profitability, as well as identify how industry trends may have an impact on the credit and or borrower’s performance
Analyze accounts receivables aging on a monthly / quarterly / annual basis, plus borrowing base certificates to ensure adequate collateral protection
Prepare credit proposals with respect to financial standing and make recommendations to the Bank’s Loan Committee and/or Board of Directors for approval or denial
Manage and monitor existing commercial loan portfolio to include performing annual credit reviews, plus ensuring compliance with terms of loan agreement and recommending corrective action as needed; portfolio includes complex accounts
Manage non-loan credit products to include ACH and Overdrafts for new and existing customers
Manage and training to credit support in underwriting for new and renewals of existing credits
Manage a team of underwriters and loan processors, ensuring compliance with Bank policies and Federal regulations on all facilities, as well as, meeting targeted goals
Coordinates with the Bank’s loan processing and closing teams to facilitate loan renewals and or amendments
Qualification
Required
M.B.A / M.S Preferred; B.S. or B.A. degree in business, economics, accounting, finance; real estate development or related certifications
A minimum of 8 years of experience in underwriting construction loans, C & I, permanent mortgages, assets-based loan, letters of credit, SBA 7a & 504 loans, and not-for-profits
Experience supervising and developing loan's underwriter team
Transactions of up to $60MM
Experience working cross functionally with support teams
Experience in medium-sized companies (average annual sales up to $100MM)
Company
Ponce Bank
Ponce Bank is a banking institution that offers personal banking and lending solution for economic development.
51-200 employees
H1B Sponsorship
Ponce Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2023 (1)
Funding
Current Stage
Public CompanyTotal Funding
$3.72MKey Investors
Community Development Financial Institutions Fund
2023-04-10Grant· $3.72M
2017-10-06IPO
Leadership Team
Carlos Naudon
President & CEO
Recent News
2026-01-05
Ponce Financial Group, Inc.
2025-10-24
Ponce Financial Group, Inc.
2025-10-23
Company data provided by crunchbase