Senior Underwriter

4 days ago

Charlotte, North Carolina, United States U.S. Bank Full time
Job Title: Senior Underwriter

At U.S. Bank, we're committed to helping our customers and businesses succeed. As a Senior Underwriter, you'll play a critical role in supporting our Commercial Real Estate platform's Relationship Managers, Portfolio Managers, and Credit partners.

Key Responsibilities:
  • Underwrite new lending opportunities and assist in the preparation and presentation of credit requests for Credit Approval.
  • Oversee accurate and consistent cash flow modeling, quarterly trend analyses, and monitoring reports, as well as covenant tests in accordance with bank standards.
  • Analyze financial data for Commercial Real Estate properties and Sponsors, and conduct market research to inform lending decisions.
  • Prepare comprehensive written analyses to support lending decisions.
Requirements:
  • Bachelor's degree or equivalent work experience.
  • Seven to ten years of commercial lending experience.
Preferred Skills:
  • Background in commercial real estate, economics, accounting, and/or finance.
  • Ability to interpret financial information and market data and apply knowledge to commercial real estate lending and overall business environment.
  • Ability to work independently performing financial analyses and significant understanding of relevant metrics for new requests, material modifications, and ongoing credit monitoring activities.
  • Ability to execute credit requests for existing clients, author credit analyses, and collaborate with Relationship Managers and Credit Approvers within the Commercial Real Estate group.
  • Proactive identification and communication of key risks, mitigants, and other potential issues at the project and portfolio level.
  • Experience participating in the preparation and negotiation of term sheets.
  • Effective verbal and written communication skills, including competent analytical and technical report writing skills.
  • Ability to participate in client bank meetings when necessary.
Benefits:
  • Comprehensive benefits package, including incentive and recognition programs, equity stock purchase, 401(k) contribution, and pension.
  • Flexible schedule with a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status.

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