Senior Commercial Credit Underwriter/Analyst

About This Role

Prepare written credit narratives for large dealer relationships and review inventory finance transactions, ensuring compliance with underwriting guidelines to identify and mitigate risk appropriately. This role involves performing cash flow analysis, structuring complex transactions, and communicating with internal and external clients.

Responsibilities

• Prepare written credit narratives for large dealer relationships for credit committees and individual reviewers
• Apply underwriting guidelines to review inventory finance transactions to identify those that comply with stated risk appetite
• Perform cash flow analysis for companies with large investments in inventory using Moody’s-produced spreadsheets
• Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately
• Draw connections between behavioral scores and indicators unique to Northpoint that gauge a dealer’s financial condition
• Effectively manage the flow of credit files by communicating regularly with internal and external clients
• Utilize common sense and a sound understanding of accounting principles to lessen the risks of relying on internally-prepared financial statements
• Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high-risk account monitoring
• Prepare and deliver presentations to executives, committees and loan participants

Requirements

• Bachelor’s degree in Accounting/Finance/Business Administration
• 5+ years of commercial lending or underwriting/financial analysis experience
• Strong analytical skills
• Cross-functional team environment skill set and ability to work independently
• Excellent verbal, written, and interpersonal skills
• Strong communication and presentation skills
• Ability to effectively manage multiple priorities and work in a fast-paced environment
• Experience working within a regulated lending environment
• Experience with internal and/or external auditors

Qualifications

• Bachelor’s degree in Accounting/Finance/Business Administration
• 5 + years of commercial lending or underwriting/financial analysis experience or equivalent experience

Nice to Have

• Experience with development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines

Skills

* Required skills