Overview
Our client, a prominent regional bank, is seeking a C&I Underwriter to manage the analysis and credit approval process for middle-market operating companies. The role focuses on revolving lines of credit, term loans, and asset-based lending structures for NYC-based businesses.
Responsibilities
Financial Analysis:
Conduct in-depth analysis of corporate financial statements, including cash flow modeling, working capital cycles, and debt service coverage.
Risk Rating:
Evaluate borrower quality, industry trends, and management strength to recommend internal risk ratings.
Structuring:
Assist Relationship Managers in structuring credit facilities to mitigate identified risks while meeting client needs.
Underwriting:
Author detailed credit memoranda for senior management and loan committee approval.
Portfolio Oversight:
Monitor a portfolio of existing C&I loans, including annual reviews, covenant compliance tracking, and borrowing base certificate verification.
Compliance:
Ensure all files meet internal credit policies and regulatory requirements (BSA/AML/KYC).
Required Qualifications
Experience:
5+ years in C&I credit underwriting or portfolio management within a commercial or regional bank.
Specialization:
Proven experience with cash-flow lending and asset-based lending (ABL) structures.
Education:
Bachelor’s degree in Accounting, Finance, or a related field; completion of a formal bank credit training program is preferred.
Technical Skills:
Proficiency in Excel (advanced modeling) and credit software such as Moody’s or Abrigo.
Local Market Knowledge:
Familiarity with the NYC middle-market landscape and diverse industry sectors.
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Responsibilities
Financial Analysis:
Conduct in-depth analysis of corporate financial statements, including cash flow modeling, working capital cycles, and debt service coverage.
Risk Rating:
Evaluate borrower quality, industry trends, and management strength to recommend internal risk ratings.
Structuring:
Assist Relationship Managers in structuring credit facilities to mitigate identified risks while meeting client needs.
Underwriting:
Author detailed credit memoranda for senior management and loan committee approval.
Portfolio Oversight:
Monitor a portfolio of existing C&I loans, including annual reviews, covenant compliance tracking, and borrowing base certificate verification.
Compliance:
Ensure all files meet internal credit policies and regulatory requirements (BSA/AML/KYC).
Required Qualifications
Experience:
5+ years in C&I credit underwriting or portfolio management within a commercial or regional bank.
Specialization:
Proven experience with cash-flow lending and asset-based lending (ABL) structures.
Education:
Bachelor’s degree in Accounting, Finance, or a related field; completion of a formal bank credit training program is preferred.
Technical Skills:
Proficiency in Excel (advanced modeling) and credit software such as Moody’s or Abrigo.
Local Market Knowledge:
Familiarity with the NYC middle-market landscape and diverse industry sectors.
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