Commercial Underwriter

2-3+ years experience underwriting at a financial institution as a commercial credit analyst or underwriter, or similar experience in dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions (typical deal sizes ranging from $250,000 to $1 million)
Bachelor’s degree in finance, accounting, economics, business, or statistics (graduate degree a plus)
Understanding of fundamental financial analysis
Comfort with GAAP accounting standards
Understanding of current macroeconomic trends and how to provide recommendations to improve the Probability of Default estimation based on the business cycle
Self-Starter: Ability to manage personal workload so this person must prioritize and execute on a plan to complete exposure reviews to meet turnaround times.

Analyze and underwrite exposures based on financial statement analysis and other predictive models.
Participate in the development and maintenance of credit strategies, processes, and procedures
From time to time, participate in exploratory discussions with customers to understand the company’s financial position to help facilitate credit decisions.
Conduct periodic reviews to properly manage the company’s risk profile.
Communicate with senior risk management to arrive at credit decisions when necessary.
Complete financial spreading when necessary.
Learn/utilize programming languages to improve efficiency, manage losses, and uncover potential within the portfolio.