C&I Credit Underwriter; Technology Healthcare & Sponsor Finance

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30+ days ago Requisition

Salary Range: $ - $ Annually

The Vice President, C&I Credit Underwriter is responsible for the independent underwriting and risk assessment of credit facilities extended to middle market companies across the technology, healthcare, and sponsor-backed sectors. This role supports lending activity for both corporate and private equity-sponsored borrowers, including financing supporting platform investments, recapitalizations, and tuck-in acquisitions.

The Vice President partners with Relationship Management teams during transaction origination to evaluate credit opportunities and structure facilities consistent with the bank’s risk appetite, regulatory expectations, and portfolio strategy. The role is responsible for conducting comprehensive credit analysis, evaluating borrower performance and industry dynamics, structuring appropriate credit protections, and preparing credit memoranda for approval by senior credit officers.

In addition to transaction underwriting responsibilities, the Vice President supports ongoing portfolio credit oversight and participates in monitoring borrower performance and emerging credit risks.

• Transaction Underwriting
• Lead the independent underwriting and credit analysis of new lending transactions across technology, healthcare, and sponsor-backed middle market borrowers.
• Evaluate borrower financial performance, operating trends, and projections to assess cash flow generation, leverage capacity, liquidity, and debt service ability.
• Perform detailed financial modeling including:
  • EBITDA normalization and quality of earnings analysis
  • Leverage and liquidity analysis
  • Free cash flow generation
  • Downside stress testing
• Assess technology and healthcare business models, including recurring revenue structures, customer concentration, reimbursement frameworks, regulatory considerations, and competitive positioning.
• Underwrite private equity-sponsored transactions, including platform financings and add-on / tuck-in acquisitions, evaluating sponsor support, integration risk, and post-transaction leverage.
• Structure credit facilities including:
  • Term loans
  • Acquisition facilities
  • Delayed draw term loans
• Identify key credit risks and structure appropriate financial covenants, collateral support, reporting requirements, and structural mitigants.
• Prepare term sheets, prescreen memos, and comprehensive credit approval memoranda summarizing borrower performance, transaction structure, industry outlook, risk considerations, and recommended credit terms.
• Present transactions to credit committees and senior credit officers as required.
• Monitor the credit performance of assigned borrowers within the technology, healthcare, and sponsor finance portfolio.
• Review borrower financial statements, covenant compliance certificates, and operating metrics to assess performance relative to underwriting expectations.
• Evaluate the impact of acquisitions, add-on strategies, and changes in capital structure on borrower credit profile.
• Identify emerging risks and recommend appropriate actions including risk rating changes, amendments, waivers, or restructuring strategies where necessary.
• Participate in periodic portfolio reviews and credit risk discussions with senior credit leadership.
• Collaboration and Professional Contribution
• Partner with Relationship Managers teams to evaluate prospective lending opportunities.
• Provide guidance regarding credit structure, leverage tolerance, covenant frameworks, and credit risk considerations during early-stage transaction discussions.
• Participate in borrower management meetings, lender presentations, and sponsor diligence discussions as appropriate.
• Support the development of the bank’s technology, healthcare, and sponsor finance lending platform through disciplined credit structuring and thoughtful risk assessment.
• Credit Governance & Risk Management
• Ensure credit underwriting and approval processes comply with the bank’s credit…