GWIM Custom Lending Senior Credit Underwriter
Charlotte, North Carolina
Job Description:
Job Description:
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Job Description:
This job is aligned with a Credit Executive in their goal of developing new custom lending relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, 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 limits
Skills :
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 Management
Required 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-located
Desired Qualifications:
Formal Credit Training and/or Commercial/Wealth Management credit experience preferred
Bachelor's degree in business administration, finance, accounting, or economics preferred or equivalent experience
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40
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