The Corporate Finance Senior Associate serves as the primary underwriter for complex relationships in the large corporate and middle market portfolio for Northwest Bank. The ability to independently perform highly in-depth qualitative and quantitative analysis at the client, industry and macroeconomic levels is required. The Senior Associate is expected to design and recommend credit structures to senior leadership which align with the needs of the clients and the risk appetite of the Bank. Regular client contact will occur as part of the underwriting and portfolio management duties. Where Northwest Bank is the lead agent, the Senior Associate will be involved in the preparation of loan syndication market materials and other supporting documentation and may participate in sell-side activities.
Prepare detailed credit memorandum for complex lending relationships
Complete comprehensive analysis on client financial statements
Recommend proper loan structure, including appropriate covenant formulas and definitions
Identify credit strengths, weaknesses, risks and mitigating factors
Determine the required scope for underwriting and due diligence based on client risk profile
Participate in joint calls with Relationship Managers
Maintain a working knowledge of macroeconomic factors affecting national and global markets
Identify and track loan and credit policy exceptions
Monitor ongoing risk in the assigned portfolio and recommend proactive action if necessary
Prepare annual or quarterly reviews for relationships within the portfolio, as required
Recommend and defend appropriate risk ratings
Review and negotiate legal documentation with outside bank counsel
Develop financial statement forecasts and enterprise valuations
Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
Work as part of a team
Work with on-site equipment
