Merchant Services Global Banking -Commercial Credit Underwriter II

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• →Performs underwriting and the structuring of more complex credit transactions 
• →Researches and delivers financial, industry, economic, and other analysis to recommend and approve merchant exposure for the client
• →Negotiates relationships and approves merchant exposure, while ensuring adherence to credit policies, guidelines, and applicable regulatory requirements
• →Provides ongoing coaching and support to Sales partners and other Credit Products team members to help build and develop their credit acumen
• →Negotiates with the client team on credit terms, performing full underwriting analysis, and preparing deal justification
• →Perform financial, economic, industry, and other analysis of clients and prospects
• →Design and execution of credit solutions, and the active management of asset quality
• →Collaborates with the Relationship Manager (RM), Global Merchant Specialist (GMS), Treasury Solutions Officer (TSO), Enterprise Credit, SAG, and other product partners, when needed, to assess client needs, design integrated solutions, and deliver the bank to clients and prospects
• →Provides credit underwriting and deal structure support, analysis, and decision recommendations for complex path credit transactions
• →Serve as Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process
• →Structures and negotiates client merchant services contracts
• →Take on customer facing responsibilities in obtaining background and financial information, articulating the bank’s position, and negotiating standard path relationships
• →Spreading financial statements in Moody’s Credit Lens
• →Reviewing and preparing Risk Rating scorecards

• 3+ years of solid experience in commercial underwriting (Business Banking, Middle Market, Large Corporate, Leveraged Finance, Financial Sponsors or other highly complex credits), performing financial analysis, spreading financials, completing risk ratings, structuring approvals, and portfolio management
• Experience preparing and completing a variety of Risk Rating scorecards
• Strong communication and analytical/technical skills; including financial accounting, modeling and loan structuring
• Prior experience in a high volume commercial credit production environment

• 3+ years of underwriting Merchant Services exposure
• Experience reviewing and spreading financial statements in Moody’s Credit Lens
• BS/BA degree preferred or equivalent experience

• Credit Documentation Requirements
• Credit and Risk Assessment
• Customer and Client Focus
• Financial Analysis
• Underwriting
• Attention to Detail
• Business Acumen
• Collateral Management
• Decision Making
• Recording/Organizing Information
• Collaboration
• Oral Communications
• Policies, Procedures, and Guidelines
• Prioritization
• Written Communications