Wells Fargo - Senior Secured Credit Underwriter

Job Profile - Senior Secured Lending Underwriter

Job Description Summary:

- Secured Lending Underwriting: Covers jobs responsible for analyzing and reviewing financial performance of ABL and Tech Finance secured lending deals. Serves as a key member of a clients deal team.

About the Role :

The work involves performing Financial Analysis, and underlying risk activities for ABL and tech Finance portfolio. Works independently on moderately to complex issues and projects. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios, trigger monitoring, valuation, trend cards etc.

3+ years of experience in one or a combination of the following:

- End to end credit lending services for commercial loans, credit underwriting specialized senior secured financing, accounts receivable financing and purchase order financing to companies and use qualitative and quantitative metrics to arrive at Rating of Borrowers

Responsibilities:

- Responsible for performing financial analysis, calculating financial covenants, calculating yield, performing industry analysis, performing revenue analysis and preparing the financing memorandum

- Responsible for independently handling a variety of complex transactions.

- Works under senior staff on more large and complex transactions

- Has comprehensive product and industry knowledge

- Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios and providing reliable QC of junior team members work depending on requirement.

- Includes end to end responsibility of completing the request received from client includes financial spreading in credit analysis tool, analyzing financial statements, identification of trend and provide financial commentaries on cause and effect on identified trend as per business requirement

- Responsible to complete Pro forma adjustments based on the projected financial information for assigning credit rating for underwriting requests

- Responsible for Industry analysis, Internal and external risk factors of the borrower and more importantly a superior business writing and good communication skills.

- Should be able to analyze Companys management and equity sponsors strength & weaknesses.

- Responsible for assessing the repayment capacity of the highly leveraged Borrowers.

- 4-5 years - Credit underwriting, Fin Analysis , commercial banking space.

NO Mortgage underwriting , only corporate underwriting , US region exposure