Credit Underwriter - Loan Review/Risk Governance
Core
Strengthening the quality of the bank's commercial credit portfolio by preparing written credit review analyses and recommending appropriate risk ratings for relationships ranging from $1MM to the bank's legal lending limit.
Role type
Senior Credit Underwriter (Loan Review/Risk Governance)
Builds
Risk assessments and action plans for commercial loan relationships
Domain
Banking / Commercial Lending
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Financial statement analysis, covenant monitoring, credit risk assessment, regulatory compliance knowledge, data synthesis, written reporting, verbal presentation, spreadsheet modeling
Preferred skills
Commercial Real Estate (CRE) lending expertise, Commercial & Industrial (C&I) lending expertise, Watchlist management, ABA/RMA credit training certification
Technologies
Microsoft Office, financial models, worksheets, spreadsheets
Responsibilities
Collect and review borrower financial information to assess credit exposure; Lead development of written credit review presentations for existing loan relationships; Conduct reviews of covenant compliance and collaborate with lenders for resolution to failed covenants; Interact with commercial lenders and Risk Management officers to evaluate potential borrower deterioration; Participate in credit discussions with market presidents, credit managers, and the Chief Credit Officer; Apply sound credit review practices to support early detection of risk and proactive issue management
Seniority
Senior, hands-on IC
