Jr. Underwriter - Equipment Finance

• Lead underwriting efforts by servicing Equipment Finance (EF) portfolios at the highest level of ability and complexity.
• Support the EF lending team with expertise in structuring, analysis, and credit documentation for EF credit actions.
• Establish the viability of repayment sources and prepare credit approval memos.
• Identify, gather, and review financial information to determine credit grades and appropriate loan structuring.
• Assess and communicate risks to assist department risk mitigation strategies.
• Provide service and support for both associates and customers, assisting in customer calls and identifying cross-sales opportunities.
• Offer guidance on escalated or difficult underwriting matters.
• Lead special projects to facilitate EF lending activities and service capabilities, potentially acting in a leadership role for less experienced underwriters.
• Analyze and underwrite new and existing lease/loan transactions, with strong financial modeling skills.
• Interact effectively with Originators and maintain good verbal communication skills.
• Assist in portfolio management activities for equipment loans and leases with aggregate portfolio exposure.
• Make recommendations on new credit requests, renewals, and modifications, ensuring quality and soundness of all credit transactions.
• Capture and document credit decisions, conditions, and modifications to meet client needs while balancing internal risk/return requirements.
• Exhibit equipment finance knowledge across a wide range of asset classes and obligor types, with solid documentation skills and the ability to lead transactions from start to finish.
• Provide specialized expertise in commercial and industrial lending, particularly in manufacturing and related sectors.
• Support complex financial assessments and credit evaluations for loans between $10 million and $150 million.
• Inform development of financial due diligence requests and risk assessments.
• Evaluate applicant's plan of finance and underlying economics, including revenue assumptions, capital expenditures, and operational costs.
• Assess the reasonableness of project schedules and the ability to withstand cost escalations or revenue downturns.
• Review contractual structures for equipment development, operation, and maintenance.
• Contribute to the development of credit protections and the negotiation of commercial terms.
• Collaborate with Financial Analysts and Modelers to ensure thorough evaluation of loan applications.
• Participate in meetings and conference calls with OSC LPO staff and borrowers as needed. 

• Bachelor’s Degree in Business, Finance, Economics, or a related field.
• 2-7 years of experience in Commercial Lending or Credit Analysis, particularly in equipment leasing.
• Expertise in manufacturing sector economics, equipment financing, and modernization programs.
• Good analytical and communication skills.
• Experience in risk assessment and credit analysis for large-scale industrial loans.
• Proficiency in financial statement spreading, preparation of projections, and trailing twelve-month analysis.
• Completion of a credit training program.
• Ability to obtain and maintain necessary security clearances.
• Proficiency in Microsoft Office Suite (2016 or later).
• Ability to travel to Crystal City, Virginia, and other U.S. locations as needed. 

Additional Requirements: 

• Must sign a Non-Disclosure Agreement within five business days of award or onboarding.
• Ability to work in a high-paced team environment, multitasking effectively.
• Good financial modeling skills, ability to structure, perform due diligence, document, and close complex transactions.