SME Underwriting Agent
Prepares scorecard-driven credit decisions on small-dollar SME facilities for a credit officer.
Takes the spread and the application, runs the SME credit policy and scorecard, and prepares a recommendation on standardized small-ticket cases inside the delegated-authority guardrails: approve, decline, or refer up. Drafts an adverse-action-compliant rationale for every case; a credit officer approves the decision and issues any adverse-action notice. Refers anything above its ticket size or risk grade to the chief credit officer.
Authority
Recommend for approval
Team role
Provides specialist analysis
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Business Banking (SME)
Desk workflow
Application intake, then KYB onboarding and financial spreading, then scorecard-driven underwriting, the credit officer's decision and booking. A high-volume pipeline of small-dollar recommendations runs to a fixed policy and scorecard, with a credit officer committing each decision.
Collaboration
Works within a defined desk workflow
Decision boundary
An accountable reviewer commits the decision or action.
Systems and capabilities involved
Credit scorecard engine
Bureau + conduct data
Credit policy reference library
Referral to chief credit officer
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Receives from
External handoff
Credit Risk (Risk division) for policy and model governance
Context
What the role needs to do the work
- Current work
- The application, spread, scorecard inputs, and current decision lean.
- Prior interactions
- The borrower's prior facilities and conduct history.
- Policies and reference
- SME credit policy, scorecard logic, delegated-authority limits.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
A $50k working-capital line application with a complete spread.
- 01
Pull bureau + conduct data; run the SME scorecard.
- 02
Check the request against policy and the delegated-authority matrix.
- 03
Within limits and grade, prepare the approval with conditions and draft the rationale for the credit officer.
Result
A facility prepared for the credit officer's approval, with priced terms and a documented rationale; anything above the delegated limit instead routes to the chief credit officer, pre-analyzed.
Checks and boundaries
What must be tested or reviewed
- 01Delegated-authority guardrail: a credit officer approves each decision, and anything above a ticket size or risk grade refers up to the chief credit officer.
- 02Every recommendation carries a written, adverse-action-compliant rationale; the credit officer issues any notice.
- 03Champion/challenger on scorecard changes; outcomes back-tested before promotion.
- 04Fairness monitoring across borrower segments.
Human authority
An accountable reviewer commits the decision or action.
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