VP, C&I Credit Underwriter

Overview

Our client, a prominent regional bank, is seeking a C&I Underwriter to manage the analysis and credit approval process for middle-market operating companies. The role focuses on revolving lines of credit, term loans, and asset-based lending structures for NYC-based businesses.

• Financial Analysis: Conduct in-depth analysis of corporate financial statements, including cash flow modeling, working capital cycles, and debt service coverage.
• Risk Rating: Evaluate borrower quality, industry trends, and management strength to recommend internal risk ratings.
• Structuring: Assist Relationship Managers in structuring credit facilities to mitigate identified risks while meeting client needs.
• Underwriting: Author detailed credit memoranda for senior management and loan committee approval.
• Portfolio Oversight: Monitor a portfolio of existing C&I loans, including annual reviews, covenant compliance tracking, and borrowing base certificate verification.
• Compliance: Ensure all files meet internal credit policies and regulatory requirements (BSA/AML/KYC).

• Experience: 5+ years in C&I credit underwriting or portfolio management within a commercial or regional bank.
• Specialization: Proven experience with cash-flow lending and asset-based lending (ABL) structures.
• Education: Bachelor’s degree in Accounting, Finance, or a related field; completion of a formal bank credit training program is preferred.
• Technical
  
  Skills:
  
  Proficiency in Excel (advanced modeling) and credit software such as Moody’s or Abrigo.
• Local Market Knowledge: Familiarity with the NYC middle-market landscape and diverse industry sectors.