דרושים Underwriter ב-United States, New York, New York

Job Description:

Job Description:
This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for complex transactions with limited supervision. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing tax equity or loan structure analysis and recommendations, monitoring portfolio performance andassisting with transaction document negotiation, energy/infrastructure project diligence.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Required Qualifications:

• 2+ years' of commercial and/or corporate banking credit or equity underwriting related experience.
• Experience in Energy and/or private equity.

Desired Qualifications:

• Bachelor's Degree in finance, accounting or related field.
• Experience in thermal energy, oil and gas and/or renewables.
• Experience in renewable and/or infrastructure debt
• Formal Credit Training or experience with equity transactions

Skills:

• Attention to Detail
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Credit and Risk Assessment
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

High School Diploma / GED / Secondary School or equivalent

This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for complex transactions with limited supervision. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit and industry risks, preparing risk ratings and writing annual review credit memorandums for Banc of America Public Capital Corporation portfolio. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and reporting tasks.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
• Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
• Completing comprehensive analysis on client financial statements
• Identifying and monitoring client and industry risk trends
• Modeling transaction and relationship profitability
• Reviewing legal documentation related to loans and derivatives
• Writing annual reviews memorandums and risk rating justification to summarize your analysis and conclusions.
• Monitoring rating agency actions and publicly available news relates & articles for impact on portfolio accounts.
• May assist in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures

Required Qualifications:

• Minimum of 2+ years of commercial credit underwriting related experience, preferably in a bank or large financial institution
• Robust understanding of corporate finance and accounting concepts, experience in municipal credit /public finance a plus.
• Excellent writing and verbal communication skills
• Effective time management skills with ability to balance multiple competing priorities
• Proficiency in Microsoft Excel

Desired Qualifications:

• Bachelor’s degree with emphasis in finance, accounting or economics

Skills:

• Attention to Detail
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Credit and Risk Assessment
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions. This position is responsible for the delivery of integrated credit solutions to US State and Local governmental entities, including public higher education. Partner closely with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Partner closely with client-facing teammates to provide the product expertise and consultation necessary to deliver the best possible solution to the client. Proactively partners with client teams to plan key credit relationship strategy focusing on balance of risk and reward. Directly accountable for managing credit quality and the approval process through interaction with Risk Management Officers.

Responsibilities:

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
• Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
• Trains, coaches, and mentors Credit Analysts
• Pre-screen new transactions for existing and new clients to determine credit worthiness and appropriate credit product solutions.
• Analyzing US State and Local governmental entities’ financial statements.
• Responsible for underwriting credit approval memoranda for mandated transactions, incorporating thorough credit analysis and due diligence.
• Participates in ongoing documentation negotiations as required.

Required Qualifications:

• 5+ years of experience in commercial banking, finance or credit ratings industries with significant municipal/public finance credit experience.
• Experience in the analysis and structuring of complex transactions
• Strong credit and risk analysis skills
• Strong presentation, structuring and financial statement analysis skills
• Proven ability to analyze, interpret and negotiate third party documentation
• Proven ability to identify trends and emerging risks in underwriting and client selection
• Proficient Microsoft Office skills

Desired Qualifications:

• Municipal / Public Finance Lending or Leasing Experience
• Undergraduate degree in finance, accounting or related field preferred.

Skills:

• Analytical Thinking
• Financial Analysis
• Financial Forecasting and Modeling
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit and Risk Assessment
• Underwriting
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Prioritization
• Technical Documentation

Job Description:

Job Description:

Work directly with the business development officers, relationship managers, investment bank, capital markets teams and/or product specialists to develop, structure, analyze, covenant, document, fund and close a deal.Work on a broad range of transactions from large corporate/private equity to core middle market.Requires direct contact with the client, financial sponsors and/or financial intermediaries.This will include outside accountants, legal counsel and field examiners.Must develop full understanding of BANA and BABC credit policies and regulatory requirements is required to enable immediate reaction to situations during the underwriting, documentation and closing processes.

Job Responsibilities:

• Analyzing new prospects for credit quality and Asset Based Lending potential, including financials and projections
• Evaluate collateral from a broad spectrum of industries for suitability for asset-based facilities.
• Assist in negotiation of term sheets and credit agreements with prospective clients.
• Prepare internal documentation to evaluate new opportunities to include pre-screens and final approval documentation.
• Work closely with risk management on approvals; present borrower and structure to risk committee in order to secure deal approval.
• Work with outside counsel and other third parties, including appraisers and field examiners, to document and close transactions.

Required Qualifications:

• 3+ years experience credit, underwriting, and structuring of corporate lending transactions for the AB Underwriter 7+ years experience credit, underwriting, and structuring of corporate lending transactions for the AB Sr. Underwriter II
• Deep knowledge of Legal Documentation (commitment papers, term sheets, credit agreements, intercreditor agreements, etc.)
• Able to establish and maintain collaborative partnerships with both internal and external clients.
• Easily navigates multiple client and support organizations; able to engage and gather resources through various business partners in order to achieve successful outcomes.

Desired Qualifications:

• 10+ years asset-based experience
• Familiarity with asset-based lending across broad industries, including specific sector risks and nuances
• BA/BS Degree with concentration in Finance, Accounting or related

Skills:

• Analytical Thinking
• Attention to Detail
• Financial Analysis
• Loan Structuring
• Underwriting
• Collaboration
• Decision Making
• Negotiation
• Problem Solving
• Written Communications
• Business Acumen
• Client Management
• Portfolio Management
• Prioritization
• Executive Presence

High School Diploma / GED / Secondary School or equivalent

As a Senior Manager, you will be responsible for leading underwriting activities, either as an individual contributor or as a people leader. You will be responsible for leading a team of associates to underwrite new transactions. This role requires strong leadership, critical thinking, risk management, financial analysis, and relationship management skills to drive business objectives and ensure compliance with policies and procedures.

Primary Responsibilities:

• Lead team of associates to underwrite and manage a portfolio of assets.

• Engage with internal and external stakeholders to complete due diligence, risk assessment/mitigation

• Drive process improvements to enhance operational efficiency and risk management practices.

• Mentor and develop junior associates, providing guidance on underwriting, risk assessment, portfolio management and financial modeling.

• Represent Capital One in industry forums and build strong relationships with market influencers and key stakeholders.

Basic Qualifications:

• Bachelor’s degree or military experience

• At least 7 years of experience in underwriting, asset management, portfolio management or any combination of the three in the field of affordable housing or commercial real estate

Preferred Qualifications:

• Master’s degree in Finance, Real Estate, or a related field

• Experience with construction lending, LIHTC investment, syndication, or asset management

• Strong financial modeling and credit analysis skills

• 3 years of people leadership experience

• Proven ability to lead teams and complex problem solving skills

. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

Job Description:

Job Description:

Work directly with the business development officers, relationship managers, investment bank, capital markets teams and/or product specialists to develop, structure, analyze, covenant, document, fund and close a deal.Work on a broad range of transactions from large corporate/private equity to core middle market.Requires direct contact with the client, financial sponsors and/or financial intermediaries.This will include outside accountants, legal counsel and field examiners.Must develop full understanding of BANA and BABC credit policies and regulatory requirements is required to enable immediate reaction to situations during the underwriting, documentation and closing processes.

Job Responsibilities:

• Analyzing new prospects for credit quality and Asset Based Lending potential, including financials and projections
• Evaluate collateral from a broad spectrum of industries for suitability for asset-based facilities.
• Assist in negotiation of term sheets and credit agreements with prospective clients.
• Prepare internal documentation to evaluate new opportunities to include pre-screens and final approval documentation.
• Work closely with risk management on approvals; present borrower and structure to risk committee in order to secure deal approval.
• Work with outside counsel and other third parties, including appraisers and field examiners, to document and close transactions.

Required Qualifications:

• 3+ years experience credit, underwriting, and structuring of corporate lending transactions for the AB Underwriter 7+ years experience credit, underwriting, and structuring of corporate lending transactions for the AB Sr. Underwriter II
• Deep knowledge of Legal Documentation (commitment papers, term sheets, credit agreements, intercreditor agreements, etc.)
• Able to establish and maintain collaborative partnerships with both internal and external clients.
• Easily navigates multiple client and support organizations; able to engage and gather resources through various business partners in order to achieve successful outcomes.

Desired Qualifications:

• 10+ years asset-based experience
• Familiarity with asset-based lending across broad industries, including specific sector risks and nuances
• BA/BS Degree with concentration in Finance, Accounting or related

Skills:

• Analytical Thinking
• Attention to Detail
• Financial Analysis
• Loan Structuring
• Underwriting
• Collaboration
• Decision Making
• Negotiation
• Problem Solving
• Written Communications
• Business Acumen
• Client Management
• Portfolio Management
• Prioritization
• Executive Presence

High School Diploma / GED / Secondary School or equivalent