GCIB- Commercial Credit Underwriter I/Commercial Credit Officer I

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• →Partners with relationship management and product partners to assess clients’ credit needs and create solutions
• →Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners
• →Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications
• →Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure
• →Mentors and supports associates

• →Partners with relationship management and product partners to assess clients’ credit needs and create solutions

• →Leads the credit analysis process with the support of other analysts and associates
• →Partners with Credit Officers and Risk teammates to understand structuring needs and requirements
• →Monitors operating performance and financial condition, proactively identifying issues and opportunities
• →Assists in delivery of financial modeling, loan structure, industry, economic and other analysis to team members to support the loan decision-making process
• →Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
• →Granted credit approval for certain credit actions
• →Participates in loan structure conversations and completion of loan documentation with internal/external legal partners

• 3 years of credit and financial institution experience with Commercial Credit Underwriting, commercial credit loan structuring
• Strong written and communication skills
• Strong MS Office skills (Excel, Word, PowerPoint)
• Attention to detail

• Bachelor’s degree in finance/accounting preferred or equivalent experience

• Analytical Thinking
• Credit and Risk Assessment
• Financial Analysis
• Research Analysis
• Underwriting
• Attention to Detail
• Business Acumen
• Financial Forecasting and Modeling
• Loan Structuring
• Written Communications
• Business Development
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Stakeholder Management