Corporate Finance Analyst/Associate/Senior Associate

Northwest Bank; Warren (Warren County); On-site; USD 90,000 - 130,000; Full time

Job summary

Northwest Bank seeks a Corporate Finance Analyst/Associate/Senior Associate to underwrite complex lending relationships within large corporate and middle‑market portfolios. You will perform in-depth qualitative and quantitative analysis at client, industry, and macroeconomic levels and design credit structures for senior leadership aligned with the bank's risk appetite.

Regular client contact and involvement in loan syndication materials are expected, with collaboration across Relationship

Qualifications

• Bachelor's degree in Finance or Accounting required.
• 5–6 years in credit underwriting for corporate finance preferred.
• Strong analytical and financial modeling skills essential.
• Experience structuring loans with appropriate covenants and documentation.

Responsibilities

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

Skills

Credit analysis

Financial statement analysis

Underwriting

Portfolio management

Credit risk

MS Office

Communication

Education

Bachelor's degree in Finance or Accounting

Tools

Microsoft Office

Job description

IL0511 Chicago LPO, OH0713 NW Bancshares HQ

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

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