Credit Underwriter II - Global Wealth & Investment Management

Responsibilities

• Leads the credit analysis process with the support of other analysts and associates
• Pairs with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
• Maintains monitoring of operating performance and financial condition, proactively identifying issues and opportunities
• Aids 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
• Participates in loan structure conversations and completion of loan documentation with internal/external legal partners
• Underwrites and obtains credit approval for marketable securities loan products, including detailed collateral analysis across control/restricted stock, REIT operating units, exchange funds, and derivative securities
• Collaborates with Global Wealth and Investment Management client teams to support credit requests, participates in upfront deal discussions, and negotiates loan structures and covenants aligned with creditworthiness and risk appetite
• Proactively manages the deal pipeline to ensure timely progression of new and existing complex transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis

Requirements

• 3-5+ years of commercial and/or private wealth management credit experience
• Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams
• Strong negotiation and communication skills
• Organized and detail oriented with ability to multi-task, with prior experience in a high-volume production environment
• Proficiency in Word, Excel and PowerPoint
• Excellent interpersonal skills and the ability to build business partnerships with risk, services and client teams who may not be co-located

Qualifications

• Formal Credit Training and/or Commercial/Wealth Management credit experience preferred
• Bachelor’s degree in business administration, finance, accounting or economics preferred
• Experience with marketable securities lending preferred