credit underwriter

United States Citigroup

<p>Corporate Regional Markets and Public Sector (CRMPS) Underwriting is an integral part of the Institutional Credit Management ( ICM ) organization. Underwriting s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Wholesale Credit Risk and Banking s shared commitment to ensuring the safety and soundness of wholesale lending.</p>
<p>Staffers have dual responsibility of setting the direction for and leading the analysts while also acting as an Underwriter for a select number of relationships.</p>
<p>This role has responsibility for a portfolio of Corporates, Financials Institutions and Public Sector relationships in the Middle East and Central Asia. The role reports directly to the Underwriting Sub-Cluster Head for Middle East and Central Asia.</p>
<p><strong>Key Responsibilities:</strong></p>
<ul>
 <li>Accountability for ensuring risk analysis of applicable portfolio is consistent with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations</li>
 <li>Undertake account allocation to various underwriters and lead the workflow allocation on a dynamic basis to support timely support to transactions while meeting KPIs on extension rates, past due ratings and past due CCMs.</li>
 <li>For a select number or relationships, act as the Underwriter working closely with Banking, Product and Risk partners.</li>
 <li>Continuous engagement with applicable Banking and Independent Risk senior stakeholders in the region to so as to understand any concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team</li>
 <li>Execute Underwriting Head plans, strategy and objectives for Underwriting</li>
 <li>Engage in regular dialogue with Underwriters to obtain feedback on analysts and ensure ongoing and timely feedback is provided to analysts.</li>
 <li>Identifying and delivering on the training needs of the analysts.</li>
 <li>Coaching of analysts to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution</li>
 <li>Partnering with the sub-cluster head and the MEA Underwriting Head on internal projects, transformation / productivity initiatives as well as regulatory remediation efforts. Address and escalate emerging risk concerns and to share best practices</li>
 <li>Attract, develop and retain top quality staff including as regards active engagement with regional on-campus recruiting efforts to ensure a robust pipeline of talent</li>
 <li>Support Voice of Employee (VOE) initiatives</li>
</ul>
<p><strong>Knowledge/Experience:</strong></p>
<ul>
 <li>Demonstratable financial services experience, including 7-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li>
 <li>Deep knowledge of Wholesale Credit Processes and organizational awareness including Underwriting functions, covered portfolios, and processes</li>
 <li>Proficient understanding of policies and procedures with the ability to execute change seamlessly</li>
 <li>Demonstrating the skills aligned with Senior Credit Officer (SCO) designation</li>
 <li>Excellent and thorough knowledge of Citi s systems</li>
 <li>Significant experience in preparing presentations for seniors</li>
 <li>Outstanding awareness and adherence to the control environment</li>
</ul>
<p><strong>Skills/Competencies:</strong></p>
<ul>
 <li>Strategic orientation to ensure the Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi</li>
 <li>Recognized as a skillful manager with a track record of building high performing teams</li>
 <li>Proven culture carrier</li>
 <li>Powerful interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li>
 <li>Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision</li>
 <li>Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li>
 <li>Advanced Microsoft Office (Word, Excel, and PowerPoint) skills</li>
</ul>
<p><strong>Qualifications:</strong></p>
<ul>
 <li>BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject</li>
</ul>

ICM Underwriter and Staffer

The Provident Bank of New Jersey

<div><div><b>Provident Bank is seeking experienced Credit Analyst to join our growing team!</b></div><div><b>
Come learn why we are the Premier Super Community Bank!</b></div><div></div><div><br>
How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees&rsquo; experience.</div><div></div><div><b><br>
POSITION SUMMARY:</b></div><div>
As a Credit Analyst you will be responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&amp;I Regional Department. The incumbent is expected to have comprehensive knowledge of credit &amp; risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals. The incumbent will show leadership in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated requests with the highest level of relationship exposure under Executive Leadership and Credit Committee Approval Authority &ndash; Level 8 &amp; 9). The incumbent will have a key role of consequence to the team outside of their credit related work. For instance, 3rd party vendor management responsibilities, reporting, and special projects.</div><div></div><div><b><br>
KEY RESPONSIBILITIES:</b></div><ul><li>
Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans.</li><li>
Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans.</li><li>
Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.</li><li>
Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.</li><li>
Prepares reports and handles special assignments</li><li>
Assists in 3rd party vendor management responsibilities</li><li>
Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.</li></ul><div></div><div><b><br>
MINIMUM QUALIFICATIONS:</b></div><ul><li>
Bachelor&rsquo;s degree in finance, Accounting or Economics. MBA preferred.</li><li>
Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc).</li><li>
Seeking candidates with 3-10 years of experience in Commercial Banking.</li><li>
Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.</li><li>
Strong analytical skills with ability to identify strengths and mitigate risks.</li><li>
Strong knowledge of commercial real estate lending, inclusive of investment, owner-occupied and some construction.</li><li>
Proficient in Commercial &amp; Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets.</li><li>
Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).</li><li>
Strong verbal and written communication.</li><li>
Ability to prioritize multiple projects and complete them on time.</li><li>
Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.</li><li>
Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.</li><li>
Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors.</li></ul><div></div><div><b><br>
PREFERRED QUALIFICATIONS:</b></div><div>
MBA</div><div>
Certification in Credit Risk or Credit Management preferred.</div><div></div><div><b><br>
WORKING CONDITIONS</b></div><div>
Work is mainly performed in a normal office environment. Noise levels usually are moderate. May also involve travel to customers and property locations.</div><ul><li>
Prolonged sitting</li><li>
Lifting from 5 to 10 lbs. (printer paper, storage boxes)</li><li>
Occasional bending or overhead lifting (storing files or boxes)</li><li>
The hazards are mainly those present in a normal office setting.</li></ul><div></div><div><b><i><br>
This job description may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.</i></b></div><div></div><div><i><br>
Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here.</i></div><div></div><div><br>
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.</div><div><b><br>
Pay Details:</b></div><div>
$51,200 - $105,100 annually</div><div>
Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.</div><div></div><div><br>
This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.</div><div></div><div><br>
Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank&rsquo;s Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.</div></div>

Commercial Credit Analyst Opportunities throughout New Jersey

Worldpay

<p></p><div><p><b>Job Description</b></p><p><b>
Are you ready to write your next chapter?
</b></p><p></p><p>Make your mark at one of the biggest names in payments. We&rsquo;re looking for a <b>Credit Analyst</b> to join our ever-evolving North American Credit Operations team and help us unleash the potential of every business. Our first line of defense Credit Operations team strives to effectively underwrite merchant account submissions, perform customer due diligence, and minimize losses via fraudulent merchant identification</p><p></p><p><b>
What you&rsquo;ll own as a Credit Analyst</b></p><ul><li>
Provides analysis and interpretation of the customers' financial status for proper evaluation of risk and the establishment of proper credit limits</li><li>
Interacts with sales support, customer service, and accounts receivable in reconciling accounts</li><li>
Prepares recommendations and makes credit approval decisions on new accounts</li><li>
Monitors and communicates credit concerns to management</li></ul><p></p><p><b>
What you&rsquo;ll bring</b></p><ul><li>
Customer due diligence/know your customer experience.</li><li>
FinCEN and Fintrac experience preferred.</li><li>
Excellent time management and organizational skills</li></ul><p></p><p><b>
I</b><b>t&rsquo;s a bonus if you have</b></p><ul><li>
Have the willingness to go the extra mile!</li></ul><p></p><p><b>
About the team</b></p><p>
To learn more about our winning teams, check out our world-class teams that own it every day.</p><p></p><p><b>
What makes a Worldpayer</b></p><p></p><p>
What makes a Worldpayer? It&rsquo;s simple: Think, Act, Win. We stay curious, always asking the right questions and finding creative solutions to simplify the complex. We&rsquo;re dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we&rsquo;re determined, always staying open and winning and failing as one.</p><p></p><p>
Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career.</p><p></p><p>
#LI-AR1</p><p></p><p>
#IND2025</p><p></p><p><b><br>
Privacy Statement</b></p><p></p><p>
Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice.</p><p></p><p><b>
EEOC Statement</b></p><p></p><p>
Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.</p><p></p><p>
If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.</p><p></p><p><b>
Sourcing Model</b></p><p></p><p>
Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.</p></div>

Credit Analyst - Atlanta (Hybrid)

Commercial Credit Analyst Opportunities throughout New York

Commercial Credit Analyst Opportunities throughout Pennsylvania

First Merchants Bank

<p></p><div><p><b>First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio.</b></p>
<p><b>
As part of this role you will:</b></p>
<ul>
<li>Complete accurate, unbiased credit analyses within required timelines and according to standards including cash flow analysis, credit decision summary preparation and credit processes.</li>
<li>Complete credit monitoring functions for designated portfolio including spreading and review of financial statements, borrowing base and covenant testing, marketable securities and leveraged lending monitoring and annual credit reviews.</li>
<li>Assign call codes, NAICS codes, risk grade and risk rating score data accurately.</li>
<li>Review appraisals and real estate evaluations.</li>
<li>Use of financial spreading software, loan system, cash flow analysis and other credit systems and tools</li>
<li>Attend and participate in loan committees as requested.</li>
</ul>
<p><b>To be successful in this position, we require the following</b>:</p>
<ul>
<li>Bachelor&rsquo;s degree.</li>
</ul>
<p><b>The following would be a plus:</b></p>
<ul>
<li>Bachelor&rsquo;s degree (or completion within current semester) in accounting, finance, or business.</li>
</ul>
<p><b>First Merchants offers the following:</b></p>
<ul>
<li>Base Pay <b>PLUS Bonuses</b></li>
<li>Medical, Dental and Vision Insurance</li>
<li>401k</li>
<li>Health Savings and Flexible Spending Accounts</li>
<li>Vacation/Sick Time</li>
<li>Paid Holidays</li>
<li>Paid Parental Leave</li>
<li>Tuition Reimbursement</li>
<li>Additional Benefits</li>
</ul>
<p><b>A little about us:</b></p>
<p>
First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.</p>
<p><b>
Our Vision is:</b></p>
<p>
To enhance the financial wellness of the diverse communities we serve.</p>
<p><b>
Our Mission is:</b></p>
<p>
To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.</p>
<p><b>
Our Team:</b></p>
<p>
&quot;We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging.&quot;</p>
<p>
Apply today to begin your career with us!</p><p></p><p>
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities<br>
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.</p></div>

Credit Analyst I

<p>Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews.</p> <p><strong>Key Responsibilities:</strong></p> <ul> <li>Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li> <li>Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li> <li>Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners</li> <li>Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li> </ul> <p><strong>Skills/Competencies:</strong></p> <ul> <li>Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li> <li>Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li> <li>Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li> <li>Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li> <li>Microsoft Office (Word, Excel, and PowerPoint) skills</li> </ul> <p><strong>Language:</strong> English   Read, Write and Speak</p>

Underwriting Credit Analyst - Officer

Search 2793+ Credit underwriter jobs near you this October. New roles added regularly across leading industries. Apply today.