AVP, C&I Underwriter
JCW Group, New York, NY, United States
The Role
The AVP, C&I Underwriter will be responsible for underwriting and structuring credit transactions for middle market commercial clients. This individual will work closely with Relationship Managers, Portfolio Managers, and senior credit leadership to evaluate risk, support deal execution, and maintain credit quality across the portfolio.
Key Responsibilities
Underwrite new money and renewal transactions for C&I clients, including revolvers, term loans, and working capital facilities
Analyze financial statements, cash flow, collateral, and industry trends to assess borrower creditworthiness
Prepare detailed credit approval memos and risk ratings in line with internal credit policy
Structure transactions with appropriate covenants, pricing, and collateral to mitigate risk
Partner with Relationship Managers on client calls and deal discussions as needed
Monitor existing portfolio credits, including annual reviews, amendments, and ongoing risk assessment
Ensure compliance with regulatory requirements and internal underwriting standards
Qualifications
2+ years of C&I underwriting experience within a bank or financial institution
Strong credit analysis skills, including cash flow modeling and financial statement analysis
Familiarity with a range of industries (manufacturing, distribution, services, etc.)
Strong written and verbal communication skills, with the ability to present to credit committees
Bachelor’s degree required; finance, accounting, or related field preferred
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The AVP, C&I Underwriter will be responsible for underwriting and structuring credit transactions for middle market commercial clients. This individual will work closely with Relationship Managers, Portfolio Managers, and senior credit leadership to evaluate risk, support deal execution, and maintain credit quality across the portfolio.
Key Responsibilities
Underwrite new money and renewal transactions for C&I clients, including revolvers, term loans, and working capital facilities
Analyze financial statements, cash flow, collateral, and industry trends to assess borrower creditworthiness
Prepare detailed credit approval memos and risk ratings in line with internal credit policy
Structure transactions with appropriate covenants, pricing, and collateral to mitigate risk
Partner with Relationship Managers on client calls and deal discussions as needed
Monitor existing portfolio credits, including annual reviews, amendments, and ongoing risk assessment
Ensure compliance with regulatory requirements and internal underwriting standards
Qualifications
2+ years of C&I underwriting experience within a bank or financial institution
Strong credit analysis skills, including cash flow modeling and financial statement analysis
Familiarity with a range of industries (manufacturing, distribution, services, etc.)
Strong written and verbal communication skills, with the ability to present to credit committees
Bachelor’s degree required; finance, accounting, or related field preferred
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