Senior Credit Underwriter - Custom Lending - Global Wealth & Investment Management

Evaluations

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Makes operational performance and financial condition assessments, proactively identifying issues and opportunities
• Provides financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Necessary Activities

• Completes Credit Approval Memos (CAMs) and modifications to secure credit approval for complex, custom loan products
• Synthesizes comprehensive financial information to assess liquidity, leverage, cash flow, key risks/mitigants, and legal structures
• Documents findings clearly, concisely, and accurately
• Consistently applies established policies, procedures, and underwriting practices, including accurate financial spreading, risk rating, financial modeling, and required approvals
• Provides lending guidance, structural recommendations, and policy expertise during upfront deal discussions
• Proactively manages deal pipeline and ensures timely progression of new and existing transactions
• Oversees day-to-day management of assigned loan portfolio, ensuring timely and accurate execution of collateral releases, SER preparation, renewals, covenant resolution, risk-rating updates, loan modifications/waivers, and past-due remediation
• Identifies opportunities to streamline workflows and recommend process improvements
• Mentors and develops Credit Underwriters, supporting skill growth and consistent underwriting quality

Qualifications

• Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams
• 10+ years of commercial and/or private wealth management credit experience
• Strong negotiation and communication skills
• 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

Desired Qualifications

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

Skills

• Attention to Detail
• Credit and Risk Assessment
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization
• Portfolio Management

Requirements

• High School Diploma / GED / Secondary School or equivalent
• Minimum of 40 hours per week
• Shift: 1st shift (United States of America)