Senior Underwriter

Position Summary

Prepare written credit narratives for large dealer relationships based on information obtained by various parties in the course of a multidisciplinary review. Audiences will include credit committees and individual reviewers.

Essential Duties and Responsibilities

• Perform cash flow analysis for companies with large investments in inventory using Moody’s-produced spreadsheets.
• Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.
• Draw connections between behavioral scores and indicators unique to Northpoint that together gauge a dealer’s financial condition.
• Effectively manage the flow of credit files by communicating regularly with internal and external clients.
• Utilize common sense and a sound understanding of accounting principles to lessen the risks of relying on internally-prepared financial statements that lack independent testing.
• Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high-risk account monitoring.
• Prepare and deliver presentations to executives, committees and loan participants.
• Other projects, assignments, or functions in support of portfolio risk management as needed.

Qualifications

• Bachelor’s degree in Accounting/Finance/Business Administration.
• 5 + years of commercial lending or underwriting/financial analysis experience or equivalent experience.
• Strong analytical skills.
• Cross-functional team environment skill set and ability to work independently.
• Excellent verbal, written, and interpersonal skills.
• Strong communication and presentation skills.
• Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast-paced environment.
• Minimal travel required.
• Experience working within a regulated lending environment.
• Experience with internal and/or external auditors.
• Experience with development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines.