Charlotte, NC30+ days ago
Responsibilities: Leads the credit analysis process with the support of other analysts and associates Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements Monitors operating performance and financial condition, proactively identifying issues and opportunities Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions Participate in loan structure conversations and completion of loan documentation with internal/external legal partners Complete Credit Approval Memos (CAMs) and Modifications to secure credit approval for complex, custom loan products secured by marketable securities Perform detailed marketable securities collateral analysis on stock concentrations, Control / Restricted stock, REIT Operating Units, Exchange Funds, and derivative securities Synthesize comprehensive financial information to assess liquidity, leverage, cash flow, key risks/mitigants, and legal structures (trusts, special wealth vehicles, etc.), applying sound judgment to support appropriate credit decisions Proactively manage deal pipeline and ensure timely progression of new and existing transactions Required Qualifications: 3 - 5+ years of commercial and/or private wealth management credit experience Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams Strong negotiation and communication skills Organized and detail oriented with ability to multi-task Proficiency in Word, Excel and PowerPoint Excellent interpersonal skills and the ability to build business partnerships with risk, operations, and client teams that 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 Experience with marketable securities lending preferred Skills: Attention to Detail Credit and Risk Assessment Financial Analysis Underwriting Written Communications Analytical Thinking Credit Documentation Requirements Financial Forecasting and Modeling Recording/Organizing Information Business Acumen Collaboration Collateral Management Loan Structuring Prioritization Shift: 1st shift (United States of America) Hours Per Week: 40 Learn more about this role Apply × To proceed with your application, you must be at least 18 years of age. The GWIM Securities Based Lending Custom Credit Underwriter II (CUII) / Senior Credit Underwriter (SCU) partners closely with the Credit Advisor (CA) to develop and expand custom lending relationships with strategic wealth clients.