Commercial Portfolio Manager III – Underwriter

Responsibilities

• Independently underwrite complex large-ticket equipment finance lease/loan facilities
• Perform comprehensive analysis of borrower financial statements, cash flow generation, leverage, liquidity, collateral coverage, and repayment capacity
• Assess qualitative and quantitative risk factors
• Prepare and present detailed credit recommendations and underwriting memoranda
• Serve as the primary credit resource for complex, high-exposure, or specialized transactions
• Evaluate transaction structure, collateral position, guarantor support, and other risk mitigants
• Recommend risk ratings and monitor relationships
• Partner closely with assigned Relationship Managers and other stakeholders
• Provide thoughtful challenge to transaction assumptions and identify emerging risks
• Mentor and provide technical guidance to Credit Analysts
• Assist management with training, onboarding, and development of less experienced team members
• Support special projects, strategic initiatives, portfolio reviews, regulatory examinations, and internal audit requests

• Bachelor's Degree in Accounting, Finance, or related field
• 7+ years of experience in commercial credit analysis
• Previous equipment finance underwriting experience (preferred)
• Strong interpersonal skills
• Solid written/verbal communication
• Ability to prioritize workflow and multi-task in a fast-paced environment
• Sound judgment and the ability to balance risk management objectives with business considerations
• CLFP designation (preferred)

• Financial Statement Analysis
• Cash Flow Analysis
• Leverage Analysis
• Liquidity Analysis
• Collateral Coverage Analysis
• Repayment Capacity Assessment
• Risk Rating Recommendations
• Transaction Structure Evaluation
• Guarantor Support Evaluation
• Portfolio Review

• Interpersonal Skills
• Written Communication
• Verbal Communication
• Judgment
• Multi-tasking

• CLFP Designation