Credit Underwriter II or Senior - Global Vendor Finance
About The Position
This role delivers integrated credit solutions to clients and manages ongoing credit portfolios within Global Vendor Finance. The underwriter assesses and structures vendor-program and end-user credit opportunities, analyzes financial statements and repayment capacity, identifies risks and mitigating factors, assigns and confirms risk ratings, and negotiates financing transactions. The role also monitors existing portfolios, prepares program reviews and renewals, and works with client-facing teams and internal partners to deliver suitable financing solutions and manage credit quality.
Requirements
- At least 3 years of commercial credit underwriting and credit analysis experience, including Middle Market, Large Corporate, or Leveraged Finance.
- Effective presentation, structuring, financial-statement analysis, and risk-analysis skills.
- Ability to work effectively both independently with minimal guidance and in a team environment.
Nice To Haves
- Equipment leasing and finance experience.
Responsibilities
- Manage the risk of assigned vendor-program portfolios, including preparing periodic program-status reviews and annual program renewals on time.
- Evaluate new end-user credit opportunities, assess risks, and identify mitigating factors.
- Partner with client-facing teammates to advise on sales opportunities and provide product expertise and consultation.
- Underwrite new transactions, analyze credit risk, negotiate and close deals in accordance with internal policies, procedures, and regulatory requirements.
- Structure lease and loan terms, including pricing, rates, payments, term, and collateral.
- Review and analyze financial statements and assign or confirm accurate risk ratings.
- Monitor client portfolios and complete required client reviews and timely financial analysis.
- Coordinate with Risk Management Officers, GVF Marketing Officers, Credit Products Managers, Leasing Administration, and Legal through the credit-quality and approval process.
- Lead underwriting processes, manage shifting priorities, and coach teammates on credit requirements.
Benefits
- Paid time off.
- Eligibility to participate in an annual discretionary incentive plan.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
