GWIM Custom Lending Senior Credit Underwriter
1 month ago
Description
:This job is responsible for supporting the Credit Executive with developing new lending relationships with strategic wealth clients, driving funded loan balance and revenue growth while increasing profitability, 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 limitsSkills :
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 ManagementRequired 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-locatedDesired Qualifications:
Formal Credit Training and/or Commercial/Wealth Management credit experience preferred Bachelor’s degree in business administration, finance, accounting or economics preferredMinimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)Hours Per Week:
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