Credit Underwriter I​/II - Portfolio Management​/Asset Finance

Job Description

This job is responsible for analyzing and interpreting a client’s credit worthiness, evaluating credit risks, and writing credit approval memos. The role involves reviewing qualitative and quantitative data such as client financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank’s risk appetite. Key expectations include completing regular monitoring and underwriting tasks and supporting internal stakeholders.

• Analyze client’s financial performance by comparing it to past performance and projections.
• Review financial statements, assess the client’s compliance with financial covenants, renew risk ratings, and recommend changes as warranted.
• Assist in the underwriting and credit risk analysis for client transactions while adhering to all relevant policies and procedures.
• Evaluate transaction and relationship risk‑adjusted profitability to facilitate capital allocation.

• 3+ years of experience in Asset Based Lending, Commercial/Corporate credit or relationship management, leveraged finance, loan syndications, or restructuring/workout.
• Strong credit, financial analysis, and modeling skills.
• Proficient in Word, Excel, and PowerPoint.

• Bachelor’s degree in Accounting and/or Finance.
• Completion of a formal bank credit training program.

• Analytical Thinking
• Financial Analysis
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit and Risk Assessment
• Underwriting
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Prioritization
• Technical Documentation

1st shift (United States of America)

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