Credit Underwriters

Our client is a U.S.-based credit and finance firm with a strong focus on real estate, hospitality, and construction lending. Since 2002, we've originated over $6.5 billion in loans and managed $1 billion in investor assets.

As part of the client's team, we will provide you training in U.S. real estate lending and pair you with experienced U.S.-based underwriters to ensure you have the support needed to succeed.

We will train you to provide great customer service and build strong client relationships, following client's core values: Putting People First, Doing the Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence is a journey.

Key Results

• Spread financial information and prepare a prescreen within 48 hours or receipt of Prescreen Checklist items

• Achieve a minimum of 4 loans funded each quarter

• Produce first draft of CAM for review within 10 business days of loan entering underwriting

Core Competencies

• Analytical Thinking

• Attention to Detail

• Collaborating with Others

• Decision Making

• Problem Solving

Duties and Responsibilities (Training will be provided):

• Analyze loan requests thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability.

• Collaborate with internal teams to ensure each loan is processed within the set timeframes in the service level agreement.

• Communicate proactively with clients and the sales team to gather the necessary information for making informed credit decisions.

• Recommend suitable loan structures based on the credit request.

• Follow client's credit analysis standards as outlined in the loan policy

• Prepare and present clear credit analysis memos that accurately assess the borrower's creditworthiness and collateral value, highlighting strengths and risks

• Perform periodic risk assessments and monitoring on assigned loans, ensuring correct risk ratings are assigned, identify early warning signs, and recommend appropriate actions to mitigate risks.

• Administer construction loans, tracking budgets, schedules, third-party reports, and ensuring timely funding.

• Research and analyze industry trends to spot potential risks in the market.

• Use U.S.-based resources to assess portfolio risks, including probabilities of default and potential losses.

• Ensure compliance with legal and management standards across all areas.

• Be open to travel for training purposes.

• Take on additional tasks as assigned by the Chief Credit Officer or Management.

Required Education and Qualification

• Bachelor's degree in Finance, Accounting, Economics, Real Estate Management or any related field with outstanding academic performance

• Preferably with at least 3 years' experience in a Big 4 accounting firm or as a credit analyst in US-based commercial real estate, preferably with a background in Hospitality, Senior Care/Assisted Living Facility and Renewable Energy, or 5 years working in finance/accounting

• Quick learner and strong problem-solving skills.

• Excellent analytical skills with the ability to interpret complex financial data and identify key risks.

• Excellent knowledge of accounting rules (Knowledge of US GAAP and IFRS)

• Ability to work independently with minimal supervision.

• Comfortable in a fast-paced, multinational environment, able to manage multiple priorities.

• Strong attention to detail, with the ability to spot data discrepancies.

• Availability to work U.S. hours.

• Ability to coordinate with internal and external stakeholders.

• Excellent written and spoken English, able to clearly communicate findings and recommendations.

• Proficient in Microsoft Excel and Word.