Senior Credit Underwriter / Credit Underwriter II - Global Wealth & Investment M
NACBA, Charlotte, NC, United States
Job Description
This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low‑complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements.
The GWIM Securities Based Lending Custom Credit Underwriter II (CUII) / Senior Credit Underwriter (SCU) partners closely with the Credit Advisor (CA) to develop and expand custom lending relationships with strategic wealth clients. This role supports responsible and profitable loan and revenue growth while managing a portfolio of existing, complex credit relationships. The CUII/SCU is responsible for performing and documenting comprehensive financial analysis to support credit decisions for ultra‑high net worth clients—including individuals, family offices, trusts, specialized wealth entities, operating companies, and non‑profit entities—while ensuring full adherence to applicable policies, procedures, and GWIM underwriting standards and guidelines.
Responsibilities
Leads the credit analysis process with the support of other analysts and associates
Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
Monitors operating performance and financial condition, proactively identifying issues and opportunities
Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision‑making process
Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions
Participate in loan structure conversations and completion of loan documentation with internal/external legal partners
Complete Credit Approval Memos (CAMs) and Modifications to secure credit approval for complex, custom loan products secured by marketable securities
Perform detailed marketable securities collateral analysis on stock concentrations, Control / Restricted stock, REIT Operating Units, Exchange Funds, and derivative securities
Synthesize comprehensive financial information to assess liquidity, leverage, cash flow, key risks/mitigants, and legal structures (trusts, special wealth vehicles, etc.), applying sound judgment to support appropriate credit decisions
Proactively manage deal pipeline and ensure timely progression of new and existing transactions
Required Qualifications
3 - 5+ years of commercial and/or private wealth management credit experience
Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams
Strong negotiation and communication skills
Organized and detail oriented with ability to multi‑task
Proficiency in Word, Excel and PowerPoint
Excellent interpersonal skills and the ability to build business partnerships with risk, operations, and client teams that 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
Experience with marketable securities lending 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
Shift
1st shift (United States of America)
Hours Per Week
40
#J-18808-Ljbffr
This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low‑complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements.
The GWIM Securities Based Lending Custom Credit Underwriter II (CUII) / Senior Credit Underwriter (SCU) partners closely with the Credit Advisor (CA) to develop and expand custom lending relationships with strategic wealth clients. This role supports responsible and profitable loan and revenue growth while managing a portfolio of existing, complex credit relationships. The CUII/SCU is responsible for performing and documenting comprehensive financial analysis to support credit decisions for ultra‑high net worth clients—including individuals, family offices, trusts, specialized wealth entities, operating companies, and non‑profit entities—while ensuring full adherence to applicable policies, procedures, and GWIM underwriting standards and guidelines.
Responsibilities
Leads the credit analysis process with the support of other analysts and associates
Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
Monitors operating performance and financial condition, proactively identifying issues and opportunities
Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision‑making process
Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions
Participate in loan structure conversations and completion of loan documentation with internal/external legal partners
Complete Credit Approval Memos (CAMs) and Modifications to secure credit approval for complex, custom loan products secured by marketable securities
Perform detailed marketable securities collateral analysis on stock concentrations, Control / Restricted stock, REIT Operating Units, Exchange Funds, and derivative securities
Synthesize comprehensive financial information to assess liquidity, leverage, cash flow, key risks/mitigants, and legal structures (trusts, special wealth vehicles, etc.), applying sound judgment to support appropriate credit decisions
Proactively manage deal pipeline and ensure timely progression of new and existing transactions
Required Qualifications
3 - 5+ years of commercial and/or private wealth management credit experience
Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams
Strong negotiation and communication skills
Organized and detail oriented with ability to multi‑task
Proficiency in Word, Excel and PowerPoint
Excellent interpersonal skills and the ability to build business partnerships with risk, operations, and client teams that 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
Experience with marketable securities lending 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
Shift
1st shift (United States of America)
Hours Per Week
40
#J-18808-Ljbffr