Senior Credit Officer

HW3; New York (NY); On-site; USD 180,000 - 250,000; Full time

Job summary

HW3, in partnership with a global financial institution, is seeking a senior credit-risk professional for its New York team. You will provide independent oversight across a portfolio of complex US commercial real estate transactions.

The role involves assessing new opportunities, making or recommending credit decisions, and monitoring exposures throughout their lifecycle. It offers significant visibility and a chance to influence portfolio strategy and risk-management practices across the

Qualifications

• At least 10 years of CRE credit experience
• Strong knowledge of the US CRE market
• Experience with large or complex lending transactions
• Experience presenting to senior credit committees
• Ability to manage multiple transactions simultaneously

Responsibilities

• Independently assess complex CRE transactions and counterparties
• Review transaction structures, financial performance, collateral and key risk considerations
• Provide credit approvals or present recommendations through the appropriate approval process
• Monitor portfolio performance and identify emerging or deteriorating risks
• Contribute to credit standards, portfolio strategy and risk-management frameworks
• Work closely with business, legal, compliance and other risk stakeholders

Skills

Credit risk assessment

CRE underwriting

Risk management

Portfolio monitoring

Financial analysis

Communication

Independent judgment

Job description

HW3 is partnering with a global financial institution to hire a senior credit-risk professional within its New York team.

This position will provide independent credit oversight across a portfolio of complex US commercial real estate transactions. The successful candidate will assess new opportunities, make or recommend credit decisions and monitor existing exposures throughout their lifecycle.

The role offers significant visibility across the organization and the opportunity to influence portfolio strategy, credit standards and risk-management practices.

Responsibilities

• Independently assess complex commercial real estate transactions and counterparties.
• Review transaction structures, financial performance, collateral and key risk considerations.
• Provide credit approvals or present recommendations through the appropriate approval process.
• Monitor portfolio performance and identify emerging or deteriorating risks.
• Participate in portfolio reviews and discussions concerning higher-risk exposures.
• Review internal credit ratings and supporting risk metrics.
• Evaluate the impact of market and economic developments on individual transactions and the wider portfolio.
• Contribute to credit standards, portfolio strategy and risk-management frameworks.
• Provide credit-risk input on new financing structures and business initiatives.
• Work closely with business, legal, compliance and other risk stakeholders.

Requirements

• At least 10 years of relevant experience within commercial real estate credit, underwriting or risk management.
• Strong knowledge of the US commercial real estate market.
• Experience assessing large or complex lending transactions.
• Previous credit approval authority or meaningful responsibility for presenting recommendations to senior credit committees.
• Strong understanding of transaction structures, collateral analysis and portfolio monitoring.
• Sound independent judgment and the ability to challenge constructively.
• Strong written and verbal communication skills.
• Ability to manage multiple transactions and portfolio matters simultaneously.