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About the Role

This Underwriter IV-Energy position supports the Energy team by underwriting complex energy portfolios. The role involves guiding structuring, servicing, and analysis for new and renewal credits, identifying and assessing borrower risk, and communicating risks to mitigate strategies. It also includes providing service and support to associates and clients, participating in client calls, and potentially identifying cross-sales opportunities. The position may assist with special projects and provide direction to less experienced underwriters.

Responsibilities

Underwrites energy accounts according to applicable regulations, procedures, and guidelines.
Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring.
Ensures all involved parties are updated on underwriting progress and outcome.
May provide guidance to less experienced underwriters through knowledge of underwriting procedures and information needs.
Sources, compiles, and interprets financial data to support structuring and approval of loans.
Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower.
Utilizes results of analysis to underwrite energy loans.
Identifies risks through reviews, analysis, and research of new and existing energy loans.
Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the energy portfolio.
Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management.
May assist in identifying cross-sales opportunities for new and existing relationships based on analysis activities.
Identifies servicing information and prepares credit analysis documentation.
Partners with associates and clients to determine needs and structuring of new requests, renewals, and modifications, participating in client and prospect calls as needed.
May assist management with peer development and training.

Requirements

Bachelor's Degree and 4 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
High School Diploma or GED and 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
Renewable Energy experience
Project finance experience
Distributed Generation experience to include community solar
US renewable project finance experience
Tax equity experience
Commercial Finance experience
Excel and modeling experience

Skills

Commercial Lending
Credit Analysis
Financial statement spreading
Preparation of projections
Trailing twelve month analysis
Excel
Modeling

Work Type

Hybrid

Education Level

Bachelor's Degree
High School Diploma or GED

Salary/Compensations

$130,000.00 - $160,000.00

Benefits

Competitive, thoughtfully designed and quality benefits program