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This position involves leading the underwriting and management of a diverse portfolio of Commercial & Industrial (C&I) and syndicated loans ranging from $5 million to $100 million. The ideal candidate will bring deep expertise in credit risk assessment, financial analysis, and portfolio management, while fostering strong collaboration with internal teams and external stakeholders.
Job Responsibility:
Oversee the underwriting process for C&I and syndicated loans, performing detailed financial analysis and assessing credit risk
Evaluate borrower creditworthiness and ensure transactions align with the organization’s risk appetite and business objectives
Collaborate with clients to analyze business models, cash flow structures, and financing needs
Conduct stress testing and sensitivity analyses to inform loan structure, covenants, and pricing strategies
Prepare comprehensive credit memos and present findings to the Credit Committee with clear recommendations
Manage and monitor an active loan portfolio, ensuring compliance with covenants, timely renewals, and risk-rating updates
Identify emerging risks and recommend action plans for non-performing or downgraded assets
Stay informed about industry trends, macroeconomic factors, and regulatory changes that impact relevant sectors
Ensure all portfolio activities comply with internal policies, industry standards, and regulatory requirements
Partner with relationship managers, clients, and third-party professionals to resolve transaction issues and finalize loan agreements
Requirements:
Bachelor’s degree in finance, accounting, business, or a related field
Minimum of 5 years of experience in underwriting and managing C&I loans
Proficiency in financial modeling, credit analysis, and risk assessment
Strong knowledge of C&I products, underwriting guidelines, and applicable regulations
Excellent communication skills, with the ability to present findings to senior management and external stakeholders
High attention to detail and strong organizational skills, with the ability to work independently or collaboratively in a fast-paced environment
Nice to have:
Experience with syndicated loans is preferred
Familiarity with credit tools such as Moody’s CreditLens is a plus
What we offer:
medical, vision, dental, and life and disability insurance