Commercial Credit Underwriter II / Sr Credit Underwriter

Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, monitoring portfolio performance and writing Credit Approval Memorandums. Responsible for delivery of integrated credit solutions to large corporate clients.

Partner closely with client-facing teammates in the Global Corporate Bank to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client along with prescreening new opportunities with senior management. This position can be filled as a Sr.

Credit Underwriter or Credit Underwriter II

- Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility - Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions - Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities - Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process - Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory

requirements - Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors - Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client - Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory

requirements - Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral) - Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted - Position supports Dealer Financial Services.

- Minimum 5+ yrs Leasing, Equipment Finance or Commercial Credit Experience - Must have proficient credit and risk analysis skills. - Must have proficient presentation, structuring and financial statement analysis skills. - Must have proficient Microsoft Office skills. - Must have proficient business writing skills.

- BA/BS Degree in Finance or related major - MBA/CFA preferred - In-depth Leasing/Equipment finance experience

$87,000.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set.