Senior Credit Underwriter - Commercial Banking

Senior Credit Underwriter – Customer Relationship Driven Commercial Bank

Location:

Midtown Manhattan. Salary: $145,000-$165,000.
MUST BE ABLE TO WORK 4 days ONSITE
. No visa, no sponsorship.

• For the most complex transactions, undertaking comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, industry/market, structure, management and environmental.
• Must have experience with transitional loans or loans that have no cash flow and bringing those properties to cash flow.
• Demonstrating deep understanding of credit risks and mitigants, presenting clearly and concisely in risk focused credit proposals for submission to the appropriate approval authority.
• Work collaboratively with Lending Officers throughout the transaction process, ensuring all Borrower information including financials are complete, accurate, received in a timely manner and analyzed fully. Attend client meetings and/or site visits as appropriate.
• Strong understanding of compliance, regulations and the Bank’s commercial lending policies, clearly outlining any exceptions to policy and supporting rationale in the credit proposal.
• Ensure all credit-related questions from the approval authority are addressed efficiently and effectively.
• Contribute effectively at Credit Committee and other Committee meetings as appropriate.
• Provide guidance and oversight for more junior credit underwriters.
• Assisting in the completion of various monthly, quarterly or ad hoc reports as necessary.
• Assisting in gathering information required by Bank examiners and internal audit.
• Performs additional duties and responsibilities as assigned by management.

Preferred experience, education, and qualifications:

• Bachelor’s degree in Business, Accounting or Finance; or equivalent experience.
• Minimum 7 years in credit related field, preferably in a banking environment with C&I / Healthcare experience.
• Strong analytical / financial modeling skills.
• Excellent written and verbal communication skills.
• Strong interpersonal skills; work collaboratively and with integrity with key internal and external stakeholders.
• Strong team player with desire to develop and coach less experienced members of the team.
• Working knowledge of all MS Office Suite products.
• Experience with transitional or "bridge" loans.
• Experience with loans that have no cash flow/Experience bringing those properties to cash flow.