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Credit Underwriters
2 weeks ago
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.
