Senior CRE Underwriter — Cash-Flow & Risk Expert

IDB Bank; New York (NY); Hybrid; USD 120,000 - 160,000; Full time

Job summary

IDB Bank in New York seeks an Underwriter to lead underwriting for new-money transactions, review financials, model cash flows, and produce comprehensive credit analysis. You will coordinate with Credit, Treasury, and Relationship Managers to support sound risk management and compliant deal execution.

The role emphasizes strong analytical skills, experience in credit decisioning, and thorough documentation, with a hybrid work schedule and competitive compensation.

Qualifications

• Advanced credit and financial analysis skills, including cash flow modeling, sensitivity analysis, and stress testing.

Responsibilities

• Lead underwriting for new money transactions from initial analysis through credit approval
• Review borrower financial spreads and perform preliminary credit analysis to support prescreen decisions, including assessment of performance trends, leverage, cash flow sustainability, and key credit risks
• Conduct comprehensive underwriting analysis for new transactions, including cash flow modeling, sensitivity analysis, stress testing, and scenario analysis
• Perform transaction-specific analysis as required, including property-level analysis, guarantor review, and assessment of structural risks
• Coordinate and analyze interest rate and hedging assumptions when applicable and incorporate results into credit exposure analysis
• Prepare loan amortization schedules and repayment profiles aligned with proposed deal structures
• Develop comprehensive credit approval memoranda clearly articulating transaction structure, key risks, mitigants, and recommendations
• Validate deal parameters in credit documentation, including approved amounts, funding conditions, total borrower and group exposure, and consistency with credit policy
• Assess borrower and transaction eligibility relative to credit limits, approval authorities, and governance thresholds, and determine required approval levels
• Present underwriting analyses and recommendations to CRO/CC and address follow‑up questions
• Review borrower insurance coverage against policy requirements, identify gaps or exceptions, and coordinate with insurance consultants to assess adequacy
• Interpret third‑party insurance reviews, negotiate coverage requirements with clients as needed, and confirm satisfaction of conditions required for deal approval

Skills

Advanced credit analysis

Credit judgment

Credit memoranda writing

Credit decisioning

Collateral & insurance knowledge

Job description

IDB Bank in New York seeks an Underwriter to lead underwriting for new-money transactions, review financials, model cash flows, and produce comprehensive credit analysis. You will coordinate with Credit, Treasury, and Relationship Managers to support sound risk management and compliant deal execution.

The role emphasizes strong analytical skills, experience in credit decisioning, and thorough documentation, with a hybrid work schedule and competitive compensation.