We are partnered with a regional bank seeking a Senior Credit Underwriter (VP) to join the Credit team, playing a pivotal role in conducting and presenting thorough credit risk analyses in support of relationship-driven loan requests from our Commercial & Industrial (C&I) team. This position will primarily focus on C&I lending within the Healthcare sector, with an emphasis on skilled nursing and assisted living facilities. The role involves managing some of the bank’s most complex transactions.
Key Responsibilities
- Conduct comprehensive financial and credit risk analysis for complex loan requests, including review of financial statements, projections, industry/market trends, management, structure, and environmental factors.
- Identify key credit risks and mitigants, and present findings clearly in risk-focused credit proposals for approval.
- Collaborate with Lending Officers throughout the transaction process to ensure timely and accurate submission of financial information; participate in client meetings and site visits as needed.
- Maintain a strong understanding of compliance, regulations, and the Bank’s commercial lending policies; highlight any policy exceptions and provide supporting rationale.
- Respond efficiently to credit-related questions from approval authorities.
- Contribute actively to Credit Committee and other relevant meetings.
- Mentor and provide guidance to junior credit underwriters.
- Assist with preparation of monthly, quarterly, or ad hoc reports.
- Support internal audit and regulatory examiner requests by gathering necessary information.
- Lead ad hoc credit risk projects with limited oversight.
- Bachelor’s degree in Business, Accounting, Finance, or equivalent experience.
- Minimum 7 years of credit experience, preferably in banking with a focus on C&I and Healthcare lending.
- Strong analytical and financial modeling skills.
- Excellent verbal and written communication abilities.
- Strong interpersonal skills, with a collaborative approach and high integrity.
- Demonstrated ability to coach and develop junior team members.
- Proficiency in MS Office Suite and willingness to learn core database management systems.
