AVP, Underwriting & Portfolio Management (ABL / Middle Market C&I)

Madison-Davis, LLC; New York (NY); Hybrid; USD 120,000 - 150,000; Full time

Job summary

Madison-Davis, LLC is seeking an Assistant Vice President Underwriter & Portfolio Manager in New York to join its Credit Risk team. The role focuses on underwriting new commercial lending transactions and managing an existing asset-based and cash flow lending portfolio.

Hybrid work arrangement in New York offers collaboration with Relationship Managers and senior credit leadership. The ideal candidate has a finance-related degree and at least five years of experience in commercial lending,

Qualifications

• Bachelor's degree in finance, accounting, economics, or related field.
• Minimum five years in commercial lending, credit underwriting, and portfolio management.
• Advanced proficiency in Excel, Word, and financial modeling.

Responsibilities

• Underwrite new commercial lending transactions with a primary focus on asset-based and cash flow lending.
• Perform detailed due diligence on borrowers, sponsors, guarantors, collateral, industries, and market conditions.
• Prepare comprehensive credit memoranda and present credit recommendations to internal credit committees.
• Review loan documentation to ensure consistency with approved credit terms and conditions, including amendments, waivers, and restructurings.
• Monitor borrower financial performance, covenant compliance, and reporting requirements.
• Conduct ongoing portfolio management, including quarterly, semi-annual, and annual credit reviews.
• Identify emerging credit risks and proactively recommend appropriate risk mitigation strategies.
• Maintain complete and accurate credit files in preparation for internal audits, loan reviews, and regulatory examinations.
• Partner closely with Relationship Managers and senior credit professionals to support sound credit decision-making and portfolio quality.

Skills

Strong communication

Presentation skills

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Excel

Word

Financial modeling

Job description

Title: AVP, Underwriting & Portfolio Management (ABL / Middle Market C&I) Office Status: Hybrid New York, NY Base Salary: $120k - $150k + Bonus

ABOUT THE ROLE

Our client, a growing commercial banking institution, is seeking an Assistant Vice President Underwriter & Portfolio Manager to join its Credit Risk team in New York. This role is responsible for underwriting new commercial lending transactions and managing an existing portfolio of primarily asset-based and cash flow lending relationships. Working closely with Relationship Managers and senior credit leadership, this individual will perform comprehensive credit analysis, present transactions for approval, and provide ongoing portfolio oversight throughout the life of each credit.

RESPONSIBILITIES

• Underwrite new commercial lending transactions, with a primary focus on asset-based and cash flow lending.
• Perform detailed due diligence on borrowers, sponsors, guarantors, collateral, industries, and market conditions.
• Prepare comprehensive credit memoranda and present credit recommendations to internal credit committees.
• Review loan documentation to ensure consistency with approved credit terms and conditions, including amendments, waivers, and restructurings.
• Monitor borrower financial performance, covenant compliance, and reporting requirements.
• Conduct ongoing portfolio management, including quarterly, semi-annual, and annual credit reviews.
• Identify emerging credit risks and proactively recommend appropriate risk mitigation strategies.
• Maintain complete and accurate credit files in preparation for internal audits, loan reviews, and regulatory examinations.
• Partner closely with Relationship Managers and senior credit professionals to support sound credit decision-making and portfolio quality.

Requirements

Bachelor s degree in finance, Accounting, Economics, or related field Minimum five years in commercial lending, credit underwriting, and portfolio management. (ABL, Cash-Flow, and other asset-based experience a plus.) Advanced proficiency in Excel, Word, and financial modeling. Strong communication and presentation skills, with the ability to distill complex information into clear, actionable insights.