Senior Underwriter

Job Title:

Sr. Commercial Credit Underwriter/Analyst

Prepare written credit narratives for large dealer relationships based on information obtained by various parties in the course of a multidisciplinary review. Audiences will include credit committees and individual reviewers.

• Perform cash flow analysis for companies with large investments in inventory using Moody’s-produced spreadsheets.
• Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.
• Draw connections between behavioral scores and indicators unique to Northpoint that together gauge a dealer’s financial condition.
• Effectively manage the flow of credit files by communicating regularly with internal and external clients.
• Utilize common sense and a sound understanding of accounting principles to lessen the risks of relying on internally-prepared financial statements that lack independent testing. Analysts with ABL backgrounds are well-suited for this type of work.
• Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high‑risk account monitoring.
• Prepare and deliver presentations to executives, committees and loan participants.
• Other projects, assignments, or functions in support of portfolio risk management as needed.

• Bachelor’s degree in Accounting/Finance/Business Administration.
• 5+ years of commercial lending or underwriting/financial analysis experience or equivalent experience.
• Strong analytical skills.
• Cross‑functional team environment skill set and ability to work independently.
• Excellent verbal, written, and interpersonal skills.
• Strong communication and presentation skills.
• Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast‑paced environment.
• Minimal travel required.
• Experience working within a regulated lending environment.
• Experience with internal and/or external auditors.
• Experience with development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines.

Bachelor’s degree from an accredited college or university.

Ability to read and interpret documents such as operating instructions and policy and procedure manuals. Ability to draft customer‑facing emails and correspondence on a regular basis. Ability to communicate effectively via phone with a variety of sales, underwriter, manufacturer/dealer contacts.

Microsoft Office required, specifically Salesforce, Docu Sign, Outlook, Word, Excel, and Access.

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The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit, use hands to finger, handle or feel and to talk or hear.

The employee is occasionally required to stand, walk, reach with hands and arms, stoop kneel, crouch or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.