Job Description
About the position At Pitney Bowes, we do the right thing, the right way. As a member of our team, you can too. We have amazing people who are the driving force, the inspiration and foundation of our company. Our thriving culture can be broken down into four components: Client. Team. Win. Innovate. We actively look for prospects who are passionate about client success, enjoy collaborating with others, strive to exceed expectations, and move boldly in the quest for superior and best in market solutions. Responsibilities • Credit underwriting of small and middle market products for Pitney Bowes.
• Review lease, loan, and revolving lines of credit applications and credit history. • Verify income and debt information. • Underwrite small business flow transactions in a fast-paced environment, handling 100+ transactions per week. • Conduct transactional underwriting and due diligence to determine creditworthiness. • Spread and analyze financial statements of public and private companies for larger transactions. • Record approval rationale for small ticket transactions in the system of record. • Document findings and recommendations for larger transactions in a well-organized credit write-up.
• Pull and interpret credit bureau scores and data (Moody's, S&P, D&B, Equifax). • Perform business and personal financial & credit analysis and identify risks and mitigates. • Propose structured approvals using down payments, payments in advance, guarantees, and shortened terms. • Work closely with Sales and Client Support to handle customer queries promptly and professionally. • Understand pay history screens, cash applications, delinquencies, and write-offs for existing clients. • Perform periodic credit line renewal write-bolthires and recommend renewal, increase, or decrease.
• Review applications for compliance with federal and state regulations, including fair lending laws. • Work flexible hours during peak business cycles. Requirements • A four-year Bachelor's degree or professional accounting qualification. • 2-3 years' experience in credit underwriting in a bank, financial institution, or leasing environment. • Ability to work in a fast-paced environment requiring prompt but accurate credit decisions. • Well-developed written and verbal communication skills. • Strong knowledge of banking concepts and regulations.
• Working knowledge of industry standard credit rating tools, ideally TSYS. • Must be legally authorized to work in the US. Benefits • Opportunity to grow and develop your career. • Inclusive environment that encourages diverse perspectives and ideas. • Challenging and unique opportunities to contribute to the success of a transforming organization. • Comprehensive benefits globally. Apply tot his job