AVP Lender Underwriter Finance

Mitsubishi HC Capital America Inc•Auburn Hills, MI

22h•$122,500 - $147,000•Onsite

About The Position

This role is responsible for underwriting, structuring, and executing complex credit transactions across lender finance and asset-based lending (ABL). The position partners closely with origination teams and engages with borrowers, direct lenders, asset managers, and syndication desks to support deal execution and market coverage. The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.

Requirements

Extensive knowledge of credit evaluation, financial, collateral, and cash flow analysis.
Advanced skills in cash flow modeling for either corporate or project finance transactions.
Knowledge of ABL and lender finance underwriting, as well as syndicated and club deal structuring.
Advanced technical skills (Excel, PowerPoint, Word, etc.)
Excellent verbal and written communication skills.
Understanding of multiple industry dynamics and how economic conditions impact credit quality and structure.
Time Management: ability to organize and manage multiple priorities and complete on a timely and accurate basis.
Analytical ability
Ability to synthesize
Problem-solving
Ability to transmit information
Ability to listen
Ability to work in a Team
Detail-oriented
Ability to work independently
Action-oriented
Resilient
Adaptability
Self-starter
Business Acumen
Client-oriented
Bachelor’s degree from a four-year college or university in Finance, Accounting, Business, or related field.
Significant experience 8–15+ years in commercial lending, including Asset-based lending (ABL) and lender finance transactions, Syndicated / club deal underwriting and execution, Structured credit, specialty finance, or capital markets exposure.
Proven experience working with private credit funds, asset managers, or direct lenders.

Responsibilities

Evaluate and underwrite new business transactions, including lender finance / specialty finance transactions, asset-based lending (ABL) facilities, and syndicated / club deals (agented and participant roles).
Lead or support transaction structuring, including credit sizing, collateral analysis, covenant design, and risk mitigation.
Demonstrate strong proficiency underwriting co-lending transactions involving private credit funds, direct lenders, and financial institutions.
Prepare and deliver pre-screen memos, credit approval memos, and risk rating assessments.
Build and maintain financial models, including sensitivity and downside analysis.
Participate in agented transactions, including structuring, underwriting, and coordinating with lending participants.
Develop relationships and actively engage with syndication desks at banks, private credit funds and direct lenders, and asset / fund managers and specialty finance companies.
Represent the firm at industry events and networking forums.
Coordinate diligence activities with internal and external stakeholders, including borrowers, sponsors, management teams, agent banks, lending partners, legal counsel, auditors, and third-party advisors.
Review legal documentation and ensure alignment with approved credit terms.
Support end-to-end execution from underwriting through closing.
Assist with amendments, waivers, and restructuring discussions for existing credits.
Provide insights into industry trends, structured credit markets, and economic conditions impacting portfolio performance.
Partner with Portfolio Management to onboard new clients and establish reporting requirements.
Maintain accurate pipeline and portfolio data (e.g., Salesforce).
Support internal reporting, risk analysis, and portfolio analytics.