VP, C&I Credit Underwriter
JCW Group, New York, NY, United States
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.
Key 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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Key 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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