Senior Credit Analyst/Senior Underwriter

Libertas Funding • Greenwich, CT

151d

About The Position

As part of the Credit Team, you will analyze application data including financial statements, bank statements, credit card statements, business/personal credit & due diligence platforms. You will evaluate Business applicants credit worthiness in accordance with company underwriting guidelines, across Libertas portfolio of products, and speak with customers to understand their funding needs. Using background due diligence to evaluate credit risk you will create structured products to tailor needs of the client. Perform accurate analysis of any applicant file with any degree of difficulty and effectively transmit underwriting decision to relationship managers both orally and in writing. You will provide technical and analytical guidance in gathering and analyzing financial information and interface with Senior Management to discuss underwriting and risk decisions and strategies.

Requirements

• 3+ years of experience in MCA underwriting OR 2+ years in Commercial Banking Underwriting
• Proficient knowledge in underwriting functions, an in-depth understanding of credit reports, income statements, balance sheets and tax returns
• Advanced problem-solving skills and excellent communications and interpersonal skills.
• Bachelor's degree.
• Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections.
• Proficiency with Excel and data interpretation are a must
• Proficiency in Microsoft Office Suite, especially Excel required.
• Commitment to integrity, excellence, accountability, customer service, and teamwork.
• Strong work ethic, and an eagerness to learn.
• Good interpersonal skills, attention to detail and a genuine commitment to the success of the team.
• Ability to work in a high frequency environment.
• Technically minded.
• Flexible and adaptable to change.
• Strong communication skills.
• Positive outlook always.
• Ability to multitask at a very high level and maintain multiple deadlines.

Nice To Haves

• Studies focused in Accounting, Finance, Economics, or a related discipline a plus.
• Familiarity with Adobe and CRM platforms would be a plus.
• Feels empowered to help solve escalated issues and work towards making a wrong a right.

Responsibilities

• Analyze application data including financial statements, bank statements, credit card statements, business/personal credit & due diligence platforms
• Evaluate Business applicants credit worthiness in accordance with company underwriting guidelines, across Libertas portfolio of products
• Speak with customers to understand their funding needs
• Use background due diligence to evaluate credit risk
• Create structured products to tailor needs of the client
• Perform accurate analysis of any applicant file with any degree of difficulty
• Transmit underwriting decision to relationship managers both orally and in writing
• Provide technical and analytical guidance in gathering and analyzing financial information
• Interface with Senior Management to discuss underwriting and risk decisions and strategies

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 51-100 employees