Credit Underwriter II or Senior - Global Vendor Finance
About The Position
This role delivers integrated credit solutions to clients and manages ongoing client portfolios. It supports underwriting and monitoring for new and existing clients in partnership with a credit team, independently managing low-complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and preparing financial analysis. The role leads underwriting processes and ensures timely, accurate analysis, while coaching teammates on credit requirements. The position evaluates vendor-program credit opportunities, including vendors and prospective end users or borrowers, by identifying strengths, weaknesses, risks, and mitigating factors. It reviews and analyzes financial statements, assesses the ability of entities to repay or service obligations, and assigns or confirms risk ratings. The role also monitors portfolios and prepares periodic program status reviews and annual renewals. The Credit Underwriter consults with client-facing teammates on sales opportunities, proposes financing solutions, and underwrites, structures, negotiates, and closes transactions in accordance with internal policies, procedures, and regulatory requirements. Lease or loan structuring may include pricing, rates, payments, terms, and collateral. The position works with Risk Management Officers, GVF Marketing Officers, Credit Products Managers, Leasing Administration, and Legal, and requires effective teamwork, independent work with minimal guidance, multitasking, responsiveness to shifting priorities, and decisiveness.
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.
Nice To Haves
- Equipment leasing and finance experience.
Responsibilities
- Manage the risk of assigned vendor-program portfolios, including timely periodic program status reviews and annual program renewals.
- Evaluate new end-user credit opportunities, identify and assess risks, and identify mitigating factors.
- Partner with client-facing teammates to consult on sales opportunities and provide product expertise and consultation to develop client solutions.
- Underwrite new transactions, analyze credit risk, negotiate and close deals, and adhere to internal policies, procedures, and regulatory requirements.
- Structure lease or loan terms, including pricing, rates, payments, term, and collateral.
- Review and analyze financial statements and assign or confirm the accuracy of risk ratings.
- Monitor client portfolios and ensure required client reviews and timely, accurate analysis.
- Coach teammates on credit requirements.
Benefits
- Paid time off
- Industry-leading benefits
- Annual discretionary incentive plan eligibility
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
