Credit Underwriter II/Sr Credit Underwriter-Leasing- Government/Energy
About The Position
This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements. This position is responsible for the delivery of integrated credit solutions to US State and Local governmental entities, including public higher education. Partner closely with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Partner closely with client-facing teammates to provide the product expertise and consultation necessary to deliver the best possible solution to the client. Proactively partners with client teams to plan key credit relationship strategy focusing on balance of risk and reward. Directly accountable for managing credit quality and the approval process through interaction with Risk Management Officers.
Requirements
- 5+ years of experience in commercial banking, finance or credit ratings industries with significant municipal/public finance credit 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
- Proficient Microsoft Office skills
Nice To Haves
- Undergraduate degree in finance, accounting or related field.
Responsibilities
- Leads the credit analysis process with the support of other analysts and associates
- Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
- Monitors operating performance and financial condition, proactively identifying issues and opportunities
- Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
- Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
- May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions
- Participate in loan structure conversations and completion of loan documentation with internal/external legal partners
- Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
- Pre-screen new transactions for existing and new clients to determine credit worthiness and appropriate credit product solutions.
- Analyzing US State and Local governmental entities’ financial statements.
- Responsible for underwriting credit approval memoranda for mandated transactions, incorporating thorough credit analysis and due diligence.
- Participates in ongoing documentation negotiations as required.
Benefits
- access to paid time off
- resources and support to our employees
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
Associate degree
