Bank Underwriting

Bank Underwriting Finance Jobs

48 jobs found

AWM, Private Bank, Lending/ Underwriting, Analyst, New York

Goldman Sachs New York, NY

1mo ago

$75k - $125k/yr Full time Analyst AWM Banking

Analyst AWM Banking

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Job Description

Location

New York, NY 10282

Overview

Within Asset & Wealth Management (AWM), Goldman Sachs helps clients worldwide achieve their financial objectives through advisory planning, investment management, banking, and tailored lending solutions. The Private Bank provides borrowing and cash‑management products from Goldman Sachs Bank USA, integrated with each client’s broader wealth strategy. Our lenders and specialists craft bespoke solutions secured by a diverse range of asset classes, including marketable securities, alternatives, residential and commercial real estate, and unique assets such as aviation, fine art, and private holdings.

Your Impact

The Underwriting Analyst is an entry‑level role designed to support all facets of the Private Bank's credit underwriting process. Analysts focus on data gathering, preliminary financial analysis, exposure tracking, and documentation support. The role is structured to build foundational credit skills and provide exposure to a wide array of wealth‑driven lending solutions.

Key Responsibilities

Financial & Credit Analysis Support
- Collect and organize financial statements, tax returns, liquidity reports, and collateral documents.
- Prepare initial financial spreads, liquidity analyses, and exposure summaries.
- Assist with marketable securities analysis, LTV calculations, and collateral coverage reviews.
- Support Analysts and Underwriters with initial drafting of memo components and client summaries.
Operational & Execution Support
- Maintain credit files, internal databases, exposure systems, and workflow trackers.
- Support the documentation and closing process by coordinating with Legal, Compliance, and Operations.
- Perform data integrity checks and prepare materials for credit meetings and committee packages.
Risk & Controls
- Ensure that required documentation is collected and maintained in accordance with policy.
- Support periodic monitoring activities, including annual reviews, covenant checks, and collateral revaluations.
- Assist in identifying discrepancies or red flags in client information and escalate appropriately.
Collaboration
- Work closely with Associates, Underwriters, Bankers, and Risk to ensure timely, accurate execution.
- Participate in team meetings, training sessions, and underwriting discussions.

Qualifications

Required

1–3 years of experience in finance, credit analysis, accounting, or related fields.
Strong analytical skills and proficiency with Excel and financial statement review.
High level of accuracy, organization, and attention to detail.
Strong communication skills and eagerness to learn credit fundamentals.

Preferred

Internship or experience in private banking, corporate lending, wealth management, or credit operations.
Exposure to financial modeling or analysis coursework.

Salary Range

The expected base salary for this New York, New York, United States-based position is $75,000–$125,000. In addition, you may be eligible for a discretionary bonus if you are an active employee as of fiscal year-end.

Benefits

Goldman Sachs is committed to providing our people with valuable and competitive benefits and wellness offerings, as it is a core part of providing a strong overall employee experience. A summary of these offerings, which are generally available to active, non-temporary, full-time and part-time US employees who work at least 20 hours per week, can be found here.

We Offer Best-In-Class Benefits

Healthcare & Medical Insurance

We offer a wide range of health and welfare programs that vary depending on office location. These generally include medical, dental, short-term disability, long-term disability, life, accidental death, labor accident and business travel accident insurance.

Holiday & Vacation Policies

We offer competitive vacation policies based o

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Chief Credit Officer

Bank of the FSM ‘Aiea, HI

8d ago

$70k - $90k/yr Full time Accounting Banking Chief

Accounting Banking Chief

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Job Description

Bank of the FSM is seeking a senior executive to lead its credit function, loan portfolio, and credit risk framework. The Chief Credit Officer will oversee the Loan Department, organized into three lending silos—SME and Consumer Lending, Commercial Lending, and Credit Administration—driving safe, sound, and community-focused banking practices. The role offers a salary range of USD 70,000 to 90,000 per year and is based onsite in Aiea, Hawaii.

Responsibilities

Develop and enforce FDIC-compliant credit policies, underwriting standards, and credit risk limits approved by the Board of Directors.
Provide executive oversight of all lending activities to maintain prudent credit practices aligned with regulatory guidance.
Monitor asset quality metrics including delinquencies, non-performing assets, charge-offs, concentrations, and emerging credit risks.
Ensure accurate calculation and documentation of the Allowance for Credit Losses (ACL/CECL), including underlying assumptions, models, and governance.
Lead portfolio stress testing and credit risk analysis to assess effects of economic and concentration risks.
Participate in the Credit Committee and ALCO Committee.
Balance prudent risk management with community banking objectives in underwriting standards.
Oversee commercial and corporate lending activities, including credit analysis, loan structuring, collateral evaluation, and covenant compliance.
Ensure adherence to concentration limits, loan approval authorities, and FDIC supervisory guidance.
Support relationship-based lending while maintaining disciplined credit risk practices.
Represent the Bank with the FDIC, state regulators, auditors, and external stakeholders as required.
Oversee problem loan identification, workout strategies, and collection efforts.
Prepare property evaluations and review appraisals as needed for CRE requests.
Prepare and present comprehensive credit and financial reports to the Board of Directors and committees.
Ensure compliance with FDIC regulations, supervisory guidance, and internal policies.
Contribute to enterprise risk management, internal control frameworks, and policy development.
Promote ethical conduct, accountability, and the Bank’s mission as a community-focused financial institution.
Other duties may be assigned.

Requirements

Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
8–10 years of progressive banking experience, including senior responsibility for credit administration or lending.
Solid knowledge of FDIC regulations, credit risk management, and safety and soundness standards.
Strong leadership experience managing multi-functional teams.
Willingness to relocate to the Corporate Office in Pohnpei, Micronesia.

Benefits

Housing
Fully maintained car
Utilities
4–5 weeks of annual vacation
Annual home leave travel allowance
Paid medical
Life insurance benefits
Senior Officers Annual Bonus
Other seasonal benefits

Open/Closing Date

On-going

Location and Contact Information

Bank of FSM, Corporate Office, P.O. Box 98, Kolonia, Pohnpei FM 96941

Tel. (691) 320-2724 • Fax. (691) 320-5359 • Email: bofsmhq@bofsm.fm

Profile

Bank of the FSM is a full-service community bank with roughly $158 million in assets, a $51 million loan book, a sizeable US investment portfolio, and 98 staff dispersed across the North Pacific, spanning about 2,500 miles. It operates branches in all four FSM states and maintains a presence in Honolulu and Saipan. The corporate office is in Pohnpei. This opportunity invites a collaborative leader to join a focused, regional bank with a distinct lending approach and a commitment to community engagement.

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DE Underwriter

United Mortgage Corp Melville, NY Hybrid

9d ago

$95k - $135k/yr Full time Banking Compliance Credit

Banking Compliance Credit

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Job Description

Based in Melville, NY with a hybrid work setup, United Mortgage Corp is seeking a DE Underwriter to evaluate residential mortgage loan applications, including government and conventional programs. The role focuses on analyzing income, assets, and third-party reports, following up on loan conditions to ensure compliance and timely closings, and supporting underwriting, processing, and advisory staff as needed.

Responsibilities

Underwrite loan files received daily according to FHA, agency, investor, and credit union policies.
Originate and validate FHA insured loans using HUD's FHA Connection system.
Review and sign off underwriting conditions in line with credit union policy while maintaining turn-times.
Maintain current knowledge of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws.
Keep up to date with FHA and secondary market requirements regarding credit, income, disclosure, and property; hands-on experience with agency-related internet and computer systems as necessary.
Analyze tax returns, credit and appraisal reports, fraud detection, and other income- or property-related documents to ensure compliance with agency, investor, and credit union requirements.
Organize and prioritize daily workload to ensure adherence to policy, procedures, and established turnaround times.
Communicate and interact with vendors, services, agencies, investors, staff, brokers and members.
Maintain current working knowledge of the mortgage industry and credit union standards and trends.
Monitor and resolve quality control issues on relevant files in a timely manner to prevent delays.
Collaborate with management to implement procedures that prioritize work within underwriting and processing as volume dictates.
Work closely with origination and operations staff to ensure compliance with guidelines and policies of the credit union and agencies.

Requirements

3-5 years of experience as an Underwriter with comprehensive mortgage knowledge.
Bachelor’s degree preferred or equivalent work experience.
Experience with FHA/VA/Agency loans.
Direct Endorsement (DE) required.
Strong analytical skills in credit and risk, with solid decision-making ability.
Effective interpersonal skills and technical report writing abilities.
Attention to detail.

Technologies

FHA Connection
HUD Direct Online System

Benefits

Healthcare, dental, and vision insurance
401(k)/Roth retirement plan
Paid time off
Paid holidays

Job Summary

The DE Underwriter primarily reviews and analyzes residential mortgage loan applications, including government and conventional loans. This role involves evaluating third-party reports such as credit reports and appraisals, calculating income, reviewing asset documentation, and following up on outstanding loan conditions to clear files for closing while ensuring compliance with applicable lending regulations.

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Senior Credit Products Specialist - Private Banking

Flagstar Bank New York, NY

11d ago

$141k - $168k/yr Full time Manager Senior Banking

Manager Senior Banking

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Job Description

This onsite role in New York, NY supports Private Banking by structuring, negotiating, and managing highly complex commercial credit relationships. The position offers an annual salary range of USD 141,299 to 168,468 and emphasizes risk management guidance for the portfolio along with mentorship of junior credit professionals.

Responsibilities

Lead the structuring, analysis, and approval of complex credit transactions, balancing risk with business objectives.
Monitor portfolio risk proactively, identifying industry trends and macroeconomic factors affecting credit quality.
Act as a strategic partner to relationship managers and senior leadership, providing expertise in credit negotiations and deal execution.
Collaborate with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
Provide mentorship to junior credit professionals, training on credit risk best practices and escalating process-improvement opportunities to senior leadership.
Exercise independent judgement to make decisions on the assigned portfolio.
Diagnose and resolve issues affecting the portfolio.
Contribute to special projects and other duties as assigned.
Maintain compliance with regulatory and compliance policies, complete required trainings, and adhere to applicable laws and regulations.

Requirements

Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
Minimum 8+ years in commercial credit analysis, structuring, underwriting, portfolio management, and risk analysis.
Deep expertise in structuring and negotiating complex credit agreements.
Strong leadership skills with the ability to influence credit strategy and policy.
In-depth understanding of macroeconomic factors and their impact on credit risk.
Proven ability to manage large portfolios and advise senior executives.
Exceptional communication and stakeholder management skills.
As relevant for the supported line of business, well versed in legal documentation such as Credit Agreements, and positioned to develop junior associates, interact with internal and external legal counsel, and negotiate directly with clients.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program

Preferred Qualifications

Master's degree (MBA or CFA) preferred

Job Competencies

Strategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors affecting credit risk.
High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.
Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
Leadership & Mentorship: Mentors junior credit professionals, develops talent and fosters a strong credit culture.
Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation.
Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending.
Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.
Relationship Building & Collaboration: Demonstrates the ability to build relationships with stakeholders through clear communication, proactive collaboration, and cross-functional insights; aligns efforts with enterprise goals to drive performance.
Client Relationship Leadership: Builds trusted client relationships by identifying needs and delivering tailored solutions to enhance the client experience.
Physical demands (ADA): No unusual physical exertion involved.

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Senior Manager - Credit & Operational Accounting

RaceTrac Atlanta, GA

11d ago

Full time Manager Senior Accounting

Manager Senior Accounting

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Job Description

This on-site Atlanta role centers on credit and operational accounting leadership within RaceTrac. It offers the opportunity to oversee underwriting and monitoring of credit lines for fuel trading counterparties, guide credit analysis and approval processes for Gulf Inc. and RaceTrac’s wholesale fuel subsidiary, and lead daily reporting and forecasting of credit line utilization. You will collaborate with front office, tax, and RPI accounting teams to ensure GAAP-compliant financial processing and accurate inventory outcomes.

Responsibilities

Oversee the credit analysis and credit approval process for Metroplex counterparties
Provide and develop meaningful reporting and analysis related to settlements and credit
Manage the Metroplex Settlement teams, ensuring inventory is reconciled and AR and AP transactions are settled accurately for both bulk and rack transactions
Ensure month-end inventory reconciliation and close are timely and accurate
Ensure inventory transactions are accurately reflected in the financial records; provide guidance for new or non-routine inventory transactions to ensure GAAP compliance
Review and approve all payments for wholesale purchases
Support the professional development of Metroplex team members
Develop and maintain strong relationships with internal departments, including front office, tax, and RPI accounting
Perform ad-hoc assignments as needed
Assist in developing solutions to financial and operational processes for inventory functions, policies, and procedures
Actively participate in and communicate the Metroplex accounting department's strategic vision and company-wide initiatives

Requirements

Bachelor’s Degree from an accredited college or university in Finance, Economics, Accounting, or a related field
8+ years of experience in wholesale fuel credit functions
Banking, underwriting, or commercial trade credit background preferred
Proficient in Microsoft Office, with Excel as a required skill
Commercial bulk commodities experience preferred
Moody’s or other S&P credit software experience a plus
Strong understanding and working knowledge of US GAAP
Advanced experience using MS Office Suite, particularly Excel

Technologies

Excel
Microsoft Office Suite
Moody’s credit software
S&P credit software

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Real Estate Corporate Banking Associate

Regions Charlotte, NC

13d ago

$94k - $125k/yr Full time Associate Banking Business Development

Associate Banking Business Development

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Job Description

Regions is seeking a Real Estate Corporate Banking Associate in Charlotte to help design, originate, structure, and execute loan commitments, loan syndications, and capital markets products for existing and prospective REIT and Fund clients. The role combines analytical rigor with proactive relationship management, supporting cross-functional credit and underwriting teams to deliver fast, reliable banking solutions tailored to client goals.

Responsibilities

Understands client needs and identifies Regions’ products or actionable ideas to help clients achieve their goals
Develops and maintains detailed financial models to value REIT/Fund companies and project financial results
Collects, reviews, and documents receipt of financial statements, covenant compliance, and other deliverables while keeping credit files current
Supports senior bankers in relationship responsibilities, engaging with current and prospective clients and analyzing profitability to drive growth
Maintains proprietary databases by monitoring news, transactions, and financial information for clients and prospects
Assists in preparing pitches, proposals, client materials, and supporting analyses with limited supervision
Prepares financial analyses for renewal and credit servicing, elevating findings to the Credit Products Specialist for risk review
Coordinates between coverage teams and Credit Products partners to deliver the whole-bank approach with speed and certainty
Supports coverage and credit products in client prospecting, underwriting, closing, and portfolio management
Performs closing functions including review of loan documents, commitment letters, closing memos, and coordination with fulfillment
Monitors ongoing performance through benchmark testing, electronic file maintenance, and metric reviews
Validates risk ratings and identifies changes with oversight from the Credit Products Specialist and risk partners
Participates in recruiting, developing, training, and overseeing junior resources

Requirements

Bachelor’s degree in accounting, finance or related field
Minimum three (3) years of relevant work experience
Formal credit training

Technologies

Microsoft Excel
PowerPoint
Word

Benefits

Paid Vacation/Sick Time
401K with Company Match
Medical, Dental and Vision Benefits
Disability Benefits
Health Savings Account
Flexible Spending Account
Life Insurance
Parental Leave
Employee Assistance Program
Associate Volunteer Program

Preferences

Master’s in Business Administration (MBA)

Skills and Competencies

Advanced Microsoft Excel, PowerPoint, and Word skills
Energetic and creative self-starter with ability to manage significant and multiple responsibilities
Effective prioritization and completion of work from coverage and credit products lines
Strong personal accountability with a results orientation within a collaborative team
Excellent written and verbal communication skills
Attention to detail and ability to multi-task under pressure
Ability to thrive in a fast-paced, team-oriented environment

Compensation

Position type: Full time

Compensation range: Minimum $94,012.38 USD; Median $125,307.00 USD

Incentive Plan

This role is eligible to participate in a discretionary incentive plan. Employees may receive a discretionary award based on performance against defined metrics and goals.

Location

Charlotte, North Carolina (onsite) – specifically Charlotte Uptown.

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Director, GP Strategies

Westwood Management Corp Houston, TX Hybrid

13d ago

Full time Business Development Communication Data Analysis

Business Development Communication Data Analysis

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Job Description

Westwood Management Corp, a Houston-based energy private equity firm specializing in GP strategies and secondaries, is seeking a Director, GP Strategies to help lead the investment team. This hybrid role in Houston focuses on GP interests, fundraising, underwriting, financial modeling, and due diligence across upstream, midstream, oilfield services, power, and other traditional energy sectors, contributing to portfolio management, strategic decision-making, and investor communications.

Responsibilities

Develop and refine Excel-based underwriting models for GP interests, continuation funds, and direct investments within energy private equity.
Lead company-level analyses across upstream, midstream, and other energy sectors, including discounted cash flow, M&A precedent transactions, well-by-well analyses, and price-sensitivity testing related to oil and gas prices.
Oversee end-to-end due diligence across multiple GPs and funds, evaluating fund and direct investments for underlying and new portfolio companies.
Prepare investment committee materials and quarterly investment reports with data-driven recommendations.
Support origination by assessing opportunities and cultivating relationships with industry contacts, including travel to industry conferences, AGMs, and investor meetings.
Conduct market research and competitive analysis to identify attractive investment themes and targets.
Lead deal structuring, negotiations, and documentation in collaboration with legal and advisory teams.
Ensure timely execution aligned with strategic objectives.
Monitor portfolio company performance and drive value-creation initiatives, including M&A, operational improvements, and strategic planning.
Provide experienced input to assist the investment team in key decision-making.
Lead fundraising efforts, engage with investors and prospective investors, and expand industry contacts.
Attend AGM meetings to grow existing relationships and develop new energy private equity connections.
Source new investment opportunities through AGMs, investor meetings, and client engagements.
Other duties as assigned.

Requirements

Bachelor’s degree in finance, economics, petroleum engineering, or related fields.
Series 7 and CFA designation preferred.
12+ years of experience in energy-focused asset management, investment banking, and private equity.
Must be at least 18 years old with unrestricted U.S. work authorization; visa sponsorship is not available.
Superior interpersonal, organizational, and client-service skills with a proven ability to build and maintain relationships.
Proven track record of deal execution, underwriting, and investment analysis.
Advanced financial modeling and valuation skills.
Excellent communication and strong client-focused interpersonal abilities.
Meticulous, organized, and detail-oriented.
Professional, mature demeanor with a positive, proactive attitude.
Ability to maintain confidentiality, work under pressure, and manage deadlines proactively.
Proficiency in Microsoft Office, including Word, Excel, and Outlook.
Team-oriented with the ability to collaborate effectively in a small team environment.