Credit Underwriter II-Leasing/Global Vendor Finance

Responsibilities

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
• Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
• Trains, coaches, and mentors Credit Analysts
• PARTNERS WITH CLIENT-FACING TEAMMATES TO CONSULT ON SALES OPPORTUNITIES AND PROVIDE THE PRODUCT EXPERTISE AND CONSULTATION NECESSARY TO DELIVER THE BEST POSSIBLE SOLUTION TO THE CLIENT
• Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)
• MANAGES THE CREDIT PROCESS FOR A PORTFOLIO OF CLIENTS INCLUDING REVIEWING FINANCIAL STATEMENTS, ASSESSES THE CLIENT'S COMPLIANCE WITH FINANCIAL COVENANTS, CONFIRMS THE ACCURACY OF RISK RATINGS, AND RECOMMENDS CHANGES AS WARRANTED

Qualifications

• 3+ years commercial credit underwriting and credit analysis experience
• MUST HAVE EFFECTIVE PRESENTATION, STRUCTURING, FINANCIAL STATEMENT AND RISK ANALYSIS SKILLS

Skills

• Analytical Thinking
• Financial Analysis
• Financial Forecasting and Modeling
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit and Risk Assessment
• Underwriting
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Prioritization
• Technical Documentation