Credit Analyst II​/Underwriter - Global Corporate & Investment Banking​/Energy

Job Description

This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for complex transactions with limited supervision for clients in Energy sector. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, monitoring portfolio performance and Reserve Based Loan redeterminations.

Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy.

Position can be filled as Credit Analyst II or Credit Underwriter I based on level of experience.

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Monitors the client’s operating performance and financial condition, proactively identifying issues and opportunities
• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

• 2+ year’s of commercial and/or corporate banking credit underwriting–related experience, preferably within a bank or large financial institution
• Understanding of foundational finance and accounting concepts
• Proficient written and verbal communication skills
• Strong time‑management skills with the ability to manage multiple priorities
• Proficiency in Excel, including the use of formulas and data analysis tools
• Demonstrated experience analyzing corporate financial statements, interpret income statements, balance sheets, and cash flow statements
• Experience producing analytical written summaries

• Bachelor’s Degree with emphasis in finance, accounting or economics
• 3+ years of commercial and/or corporate banking credit underwriting–related experience, preferably within a bank or large financial institution
• Experience underwriting clients in the Energy sector, including upstream Oil & Gas

• Attention to Detail
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Credit and Risk Assessment
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

High School Diploma / GED / Secondary School or equivalent

1st shift (United States of America)

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