VP Middle Market Credit Underwriter

JCW; New York (NY); On-site; USD 120,000 - 160,000; Full time

Job summary

JCW is seeking a Middle Market Commercial Credit Underwriter in New York City. You will manage underwriting and analyzing credit requests, collaborating with Relationship Managers to align solutions with risk policies. This role demands strong financial skills, attention to detail, and the ability to work under pressure.

Qualifications

• 5+ years of commercial credit underwriting experience with a focus on middle market lending.
• Solid understanding of commercial loan products.
• Proficiency in credit analysis and structuring.

Responsibilities

• Independently underwrite and analyze credit requests for middle market clients.
• Prepare detailed credit write-ups and risk ratings per bank guidelines.
• Monitor portfolio performance and provide credit reviews.

Skills

Credit analysis

Financial modeling

Risk assessment

Attention to detail

Communication

Education

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

MBA or CFA preferred

Tools

Microsoft Excel

Moody’s Risk Analyst

Job description

This range is provided by JCW. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$120,000.00/yr - $160,000.00/yr

As a Middle Market Commercial Credit Underwriter, you will be responsible for independently underwriting and analyzing credit requests for middle market commercial clients. You will partner closely with Relationship Managers to assess borrower risk and structure sound credit solutions that align with the bank’s risk appetite and credit policies. This role requires strong financial acumen, attention to detail, and the ability to make reasoned recommendations under tight timelines.

Key Responsibilities

• Analyze complex financial statements, cash flow models, collateral, and industry risk for new and existing middle market clients (typically $10MM–$250MM in annual revenue).
• Prepare detailed, well-reasoned credit write-ups and risk ratings in accordance with bank policies and regulatory guidelines.
• Collaborate with Relationship Managers and Portfolio Managers to structure and recommend credit solutions that balance client needs with sound risk management.
• Monitor portfolio performance and provide periodic credit reviews, identifying early warning signs of deterioration and recommending mitigation strategies.
• Present credit analyses to loan committees and respond to inquiries from internal stakeholders and regulators.
• Stay current on market trends, industry developments, and regulatory changes impacting the middle market lending landscape.
• Mentor junior underwriters and assist with training as needed.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CFA preferred).
• 5+ years of commercial credit underwriting experience, with a strong focus on middle market lending.
• Expertise in credit analysis, financial modeling, and credit structuring.
• Solid understanding of commercial loan products, including lines of credit, term loans, real estate, and asset-based lending.
• Strong written and verbal communication skills, with the ability to articulate credit rationale clearly and concisely.
• High attention to detail and strong organizational skills.
• Proficiency in Microsoft Excel and common credit risk tools; experience with Moody’s Risk Analyst, spreading software, or similar platforms is a plus.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance

• Industries

  Banking

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