JCW Group · 1 day ago
VP, C&I Credit Underwriter
JCW Group is representing a prominent regional bank seeking a C&I Underwriter to manage the analysis and credit approval process for middle-market operating companies. The role involves conducting financial analysis, evaluating borrower quality, and assisting in structuring credit facilities to meet client needs.
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Responsibilities
Conduct in-depth analysis of corporate financial statements, including cash flow modeling, working capital cycles, and debt service coverage
Evaluate borrower quality, industry trends, and management strength to recommend internal risk ratings
Assist Relationship Managers in structuring credit facilities to mitigate identified risks while meeting client needs
Author detailed credit memoranda for senior management and loan committee approval
Monitor a portfolio of existing C&I loans, including annual reviews, covenant compliance tracking, and borrowing base certificate verification
Ensure all files meet internal credit policies and regulatory requirements (BSA/AML/KYC)
Qualification
Required
5+ years in C&I credit underwriting or portfolio management within a commercial or regional bank
Proven experience with cash-flow lending and asset-based lending (ABL) structures
Bachelor's degree in Accounting, Finance, or a related field; completion of a formal bank credit training program is preferred
Proficiency in Excel (advanced modeling) and credit software such as Moody's or Abrigo
Familiarity with the NYC middle-market landscape and diverse industry sectors