C&I Senior Underwriter

Bachelor’s degree in Accounting, Business, Finance, Economics, or a related field.
7+ years of experience in C&I underwriting, preferably with exposure to apparel and related industries.
Experience in asset-based lending (ABL) is a plus.
Experience with healthcare industry write-ups is a plus.
Strong understanding of C&I loan structures, credit facilities, and risk assessment.
Proficiency in financial statement analysis, cash flow modeling, and collateral evaluation.
Experience in assessing field exams, inventory, and intellectual property (IP) appraisals.
Familiarity with regulatory requirements and industry best practices.
Ability to multi-task and effectively prioritize in a fast-paced environment.
Proficient in financial analysis tools and Microsoft Office Suite.

Conduct comprehensive financial statement reviews and assess cash flow trends.
Develop detailed cash flow and sensitivity analyses to evaluate borrowers’ financial health.
Structure credit facilities that align with risk parameters and client needs.
Prepare loan pricing and profitability models that optimize risk-adjusted returns.
Lead underwriting efforts for middle-market companies, with a preference for apparel and related industries.
Participate in client meetings, assessing financing needs and structuring optimal credit solutions.
Identify key risks in transactions and develop thoughtful risk mitigation strategies.
Prepare well-structured credit approval packages, articulating a clear risk assessment and recommendation.
Partner closely with relationship managers and credit risk teams to drive deal flow.
Contribute to process improvements and best practices within the team.
Assist with special projects as needed, supporting strategic initiatives.