Credit underwriter

Description

The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO / Commercial Credit Manager (CCM).

The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complex clients / transactions.

UWs may call on credit clients and prospects in partnership or independently with the RM and / or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships.

They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements.

Note : This position can be filled as an UW I or UW II depending on experience and skill set.

Responsibilities :

Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility

Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions

Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities

Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process

Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Skills : Attention to Detail

Attention to Detail

Credit and Risk Assessment

Financial Analysis

Underwriting

Written Communications

Analytical Thinking

Credit Documentation Requirements

Financial Forecasting and Modeling

Recording / Organizing Information

Business Acumen

Collaboration

Collateral Management

Loan Structuring

Prioritization

Required Qualifications :

5 years of solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical / technical skills, including financial accounting, modeling and loan structuring in Commercial Banking .

Desired Qualifications :

Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.

Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)

Minimum Education Requirement : BA / BS Degree Desired

Shift :

1st shift (United States of America)

Hours Per Week :

Last updated : 2024-04-30