C&I Senior Underwriter

About the position

We are seeking a Senior Underwriter with a strong background in Middle Market lending to join our Credit Underwriting team. The ideal candidate will have expertise in underwriting apparel and related companies and experience in asset-based lending structure. Experience with healthcare industry write-ups is a plus. This role requires strong analytical skills, the ability to multi-task, and the capability to work efficiently under tight deadlines while ensuring high-quality credit assessments. This is an excellent opportunity for a detail-oriented professional who enjoys working on complex transactions and collaborating with relationship managers, credit risk teams, and other stakeholders.

Responsibilities

• Conduct comprehensive financial statement reviews and assess cash flow trends.
• Develop detailed cash flow and sensitivity analyses to evaluate borrowers' financial health.
• Structure credit facilities that align with risk parameters and client needs.
• Prepare loan pricing and profitability models that optimize risk-adjusted returns.
• Lead underwriting efforts for middle-market companies, with a preference for apparel and related industries.
• Participate in client meetings, assessing financing needs and structuring optimal credit solutions.
• Identify key risks in transactions and develop thoughtful risk mitigation strategies.
• Prepare well-structured credit approval packages, articulating a clear risk assessment and recommendation.
• Partner closely with relationship managers and credit risk teams to drive deal flow.
• Contribute to process improvements and best practices within the team.
• Assist with special projects as needed, supporting strategic initiatives.

Requirements

• Bachelor’s degree in Accounting, Business, Finance, Economics, or a related field.
• 7+ years of experience in C&I underwriting, preferably with exposure to apparel and related industries.
• Experience in asset-based lending (ABL) is a plus.
• Experience with healthcare industry write-ups is a plus.
• Strong understanding of C&I loan structures, credit facilities, and risk assessment.
• Proficiency in financial statement analysis, cash flow modeling, and collateral evaluation.
• Experience in assessing field exams, inventory, and intellectual property (IP) appraisals.
• Familiarity with regulatory requirements and industry best practices.
• Ability to multi-task and effectively prioritize in a fast-paced environment.
• Proficient in financial analysis tools and Microsoft Office Suite.

Nice-to-haves

• Detail-oriented with a strong commitment to producing high-quality work.
• Strong analytical skills with the ability to assess complex financial data.
• Effective communicator with the ability to work collaboratively across teams.
• Ability to work under tight deadlines while maintaining accuracy.
• Self-motivated with a willingness to learn and adapt to evolving market conditions.

Benefits

• Generous paid time off.
• Medical coverage and 401(k) plan participation on the first day.
• Incentive compensation eligibility.
• Medical, pharmacy, dental, and vision plans.
• Life and disability insurance.
• Employee wellness program.
• Retirement and savings plans with employer contributions.
• Generous holiday and paid time off schedules.
• Parental leave.
• Tuition reimbursement.