Corporate Finance Analyst/Associate/Senior Associate

Northwest Bank; Warren (Warren County); Sur place; USD 90 000 - 135 000; Plein temps

Résumé du poste

Northwest Bank is seeking a Corporate Finance Analyst/Associate/Senior Associate to act as the primary underwriter for complex relationships in the large corporate and middle-market portfolio. The role requires in-depth qualitative and quantitative analysis at client, industry and macro levels, with senior leadership guidance on credit structures.

Regular client contact and potential involvement in loan syndication materials are expected. The level (Analyst, Associate or Sr.

Qualifications

• Bachelor's degree in Finance, Accounting, or related field.
• 5–6 years in credit underwriting in the Corporate Finance sector.

Responsabilités

• Prepare detailed credit memorandum for complex lending relationships
• Complete comprehensive analysis on client financial statements
• Recommend proper loan structure, including covenant formulas and definitions
• Identify credit strengths, weaknesses, risks and mitigating factors
• Determine the required scope for underwriting and due diligence based on client risk profile
• Participate in joint calls with Relationship Managers
• Maintain a working knowledge of macroeconomic factors affecting markets
• Identify and track loan and credit policy exceptions
• Monitor ongoing risk in the portfolio and recommend actions
• Prepare annual or quarterly reviews for relationships within the portfolio
• Recommend and defend appropriate risk ratings
• Review and negotiate legal documentation with outside bank counsel
• Develop financial statement forecasts and enterprise valuations
• Ensure compliance with Northwest's policies and regulations
• Navigate Microsoft Office and department software to maximize efficiency
• Work as part of a team
• Work with on-site equipment

Connaissances

Credit analysis

Financial statement analysis

Loan structuring

Risk assessment

Underwriting

Due diligence

Macroeconomic awareness

Client management

Teamwork

Excel

Formation

Bachelor's degree in Finance, Accounting, or related field

Outils

Microsoft Office

Description du poste

Job Description

The Corporate Finance Analyst/Associate/Senior Associate serves as the primary underwriter for complex relationships in the large corporate and middle market portfolio for Northwest Bank. The ability to independently perform highly in-depth qualitative and quantitative analysis at the client, industry and macroeconomic levels is required. The Senior Associate is expected to design and recommend credit structures to senior leadership which align with the needs of the clients and the risk appetite of the Bank. Regular client contact will occur as part of the underwriting and portfolio management duties. Where Northwest Bank is the lead agent, the Senior Associate will be involved in the preparation of loan syndication market materials and other supporting documentation and may participate in sell-side activities.

Analyst, Associate or Sr. Associate level will be determined based on the candidates knowledge and experience.

Essential Functions

• Prepare detailed credit memorandum for complex lending relationships

• Complete comprehensive analysis on client financial statements

• Recommend proper loan structure, including appropriate covenant formulas and definitions

• Identify credit strengths, weaknesses, risks and mitigating factors

• Determine the required scope for underwriting and due diligence based on client risk profile

• Participate in joint calls with Relationship Managers

• Maintain a working knowledge of macroeconomic factors affecting national and global markets

• Identify and track loan and credit policy exceptions

• Monitor ongoing risk in the assigned portfolio and recommend proactive action if necessary

• Prepare annual or quarterly reviews for relationships within the portfolio, as required

• Recommend and defend appropriate risk ratings

• Review and negotiate legal documentation with outside bank counsel

• Develop financial statement forecasts and enterprise valuations

• Ensure compliance with Northwest's policies and procedures, and Federal/State regulations

• Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency

• Work as part of a team

• Work with on-site equipment

Education:

• Bachelor's degree in Finance, Accounting, or other business-related field preferred

Work History:

• 5 - 6 years Credit Underwriting in the Corporate Finance sector preferred

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.