Sr Credit Underwriter​/Underwriter II-Global Leasing​/Equipment Finance

Job Description

This role involves performing risk assessment and repayment capacity analysis (financial, borrower, industry, etc.) and preparing transaction justification for moderately to highly complex transactions with limited oversight. The Sr. Credit Underwriter documents credit analysis, independently assesses historic and projected borrower financial information, evaluates adherence to policy and procedure, provides loan structure analysis and recommendations, and monitors portfolio performance. The Underwriter uses client knowledge to assess the appropriateness of existing solutions and propose optimal financing alternatives or additional solutions.

Directly accountable for managing credit quality and the approval process through interactions with Risk Management Officers and Senior Management.

• 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 analysis to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

• 5+ years commercial credit experience
• Must have equipment finance experience
• Experience in the analysis and structuring of complex transactions
• Strong credit and risk analysis skills
• Strong presentation, structuring and financial statement analysis skills
• Proven ability to analyze, interpret and negotiate third party documentation
• Proven ability to identify trends and emerging risks in underwriting and client selection

• Undergraduate degree in finance or accounting
• MBA or CFA preferred

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

Minimum Education Requirement:
High School Diploma / GED / Secondary School or equivalent

Shift: 1st shift (United States of America)

Hours Per Week: 40