Underwriter Jobs

About The Position

Requirements

• Bachelor’s degree or military experience.
• At least 2 years of experience in credit underwriting, portfolio management, or commercial real estate.

Nice To Haves

• Bachelor’s degree in Accounting, Finance, or another relevant field.
• Previous experience in underwriting, portfolio management, or asset management.
• Completed coursework or training in commercial real estate and credit risk management.
• Fluency in Microsoft Office or Google Suite.

Responsibilities

• Perform due diligence on industry and company performance, synthesize research, draw conclusions, and potentially lead diligence calls.
• Conduct thorough financial analysis and identify disparities, risks, and creative risk mitigants.
• Prepare financial modeling inputs with little guidance, understand model mechanics, and consider overrides or exceptions.
• Analyze appropriate structuring options based on collateral and borrower valuation.
• Write and prepare most of the credit approval document and contribute meaningfully to internal deal review and pipeline meetings.
• Coordinate and complete closing process requirements.
• Begin shadowing more senior underwriters in reviewing and negotiating legal documentation.
• Communicate with external constituents and respond urgently to client requests.
• Prepare term sheets, commitment letters, and fee letters with guidance; develop a basic understanding of credit documents.
• Own a portfolio of existing customers with minimal guidance, potentially including more complex or higher-volume accounts.
• Complete annual reviews and material and non-material modifications independently and on time.
• Monitor risk ratings and determine whether upgrades or downgrades are appropriate.
• Ensure existing accounts comply with credit policies and procedures.
• Respond to requests from internal and external stakeholders.
• Maintain accurate, timely, and complete portfolio data to support quality and reporting.
• Escalate and resolve problem accounts in partnership with other teams and specialists.
• Build relationships across functions and businesses to foster collaboration among partner groups.
• Mentor and train rotational analysts and new hires.
• Participate in internal initiatives that help ensure the business is well-managed and operates efficiently.

Benefits

• Comprehensive, competitive, and inclusive health, financial, and other benefits supporting total well-being.
• Eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives; incentives may be discretionary or non-discretionary depending on the plan.