Senior Credit Underwriter / Credit Underwriter II - Global Wealth & Investment Management

Responsibilities

• Leads the credit analysis process with the support of other analysts and associates
• Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
• Makes sure to monitor operating performance and financial condition, proactively identifying issues and opportunities
• Aids in delivering 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
• Completes Credit Approval Memos (CAMs) and Modifications to secure credit approval for complex, custom loan products secured by marketable securities
• Performs detailed marketable securities collateral analysis on stock concentrations, Control / Restricted stock, REIT Operating Units, Exchange Funds, and derivative securities
• Synthesizes comprehensive financial information to assess liquidity, leverage, cash flow, key risks/mitigants, and legal structures (trusts, special wealth vehicles, etc.), applying sound judgment to support appropriate credit decisions
• Proactively manages deal pipeline and ensures timely progression of new and existing transactions

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
• Proficiency in Word, Excel and PowerPoint
• Excellent interpersonal skills and the ability to build business partnerships with risk, operations, and client teams that 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