GWIM Custom Lending Senior Credit Underwriter

Description

This job is aligned with a Credit Executive in their goal of developing new custom lending relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, and managing a portfolio of existing lending relationships.

Key responsibilities include performing and documenting financial analysis for credit approval of ultra-high-net-worth clients (individuals, family offices, trusts, special wealth vehicles, etc.

in compliance with policy, procedures, and Global Wealth and Investment Management underwriting standards and guidelines.

The purpose of the SCU is to use key financial measures and a consistent, structured financial approach to underwrite custom lending requests and mange a loan portfolio in alignment with our risk appetite, policies, and procedures.

Responsibilities :

• Supports loan growth through high-quality underwriting activities
• Develops, deepens, and sustains a value-driven relationship with Line of Business partners, while building credibility
• Collaborates with Sales, Risk, Operations, and Portfolio Management to execute underwriting approval documents for custom lending transactions (new, renewal, modification) in a timely and accurate manner, while aligning to the bank's policy and procedures
• Prepares concise written analysis of custom lending transactions, accurately detailing the client financial status, identifying, and mitigating key credit risks and mitigants, and documenting the terms and conditions of the transaction correctly
• Identifies, escalates, and debates data quality, regulatory, and / or policy breach issues, while delivering accurate and consistent data
• Maintains asset quality within the defined Global Wealth and Investment Management risk appetite limits

Skills :

• Active Listening
• Credit Documentation Requirements
• Credit and Risk Assessment
• Financial Analysis
• Underwriting
• Analytical Thinking
• Attention to Detail
• Loan Structuring
• Portfolio Analysis
• Written Communications
• Collaboration
• Collateral Management
• Continuous Improvement
• Decision Making
• Portfolio Management

Required Qualifications :

• Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams
• 3-5+ years of commercial / private wealth management credit experience
• Strong negotiation and communication skills
• Proficiency in Word, Excel and PowerPoint
• Excellent interpersonal skills and the ability to build business partnerships with risk, services and client teams who 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 or equivalent experience

Minimum Education Requirement : High School Diploma / GED / Secondary School or equivalent

Shift :

1st shift (United States of America)

Hours Per Week :