Senior Associate, Credit Advisory Underwriting

at  BNY Mellon

Overview
Responsible for maintaining compliance protocols regarding documentation content and storage. Distributes work amongst the support staff and improves storage processes and controls.Analyze new loan requests, ensure loan meets Risk Policy guidelines, prepares and submits larger, more complex credit write-ups for approval.Ensures that that controls are in place for review of documents submitted by internal and external clients and that storage systems (collateral and documentation) are up to date.Evaluates general credit worthiness of borrowers by analyzing personal and corporate financial statements and balance sheets, credit reports, asset statements and property appraisals. Supports managers in gathering and providing data during audits.Prepare loan write-ups for approval that address borrowers’ strengths and weaknesses. Write-ups may include credit memos, corporate excel spreadsheets, and other relevant information. Make well-supported credit recommendations. Distributes work to support level staff and ensures high quality of work.Interact closely with sales staff in discussing loan structure and credit worthiness of prospective applicants.Manages relationships with internal and external clients as well as 3rd party vendors to ensure support of document custody goals.May be responsible for allocating and checking work of other team members. May be responsible for specific supervisory review and approval actions.Contributes to the achievement of related teams’ objectives.Contributes to the achievement of related teams’ objectives.MODIFIED BASED UPON LOCAL REGULATIONS/REQUIREMENTSBachelor’s degree or the equivalent combination of education and experience is required.3-5 years of total work experience preferred.. BNY Mellon is an Equal Employment Opportunity/Affirmative Action Employer. Minorities/Females/Individuals with Disabilities/Protected Veterans. Our ambition is to build the best global team – one that is representative and inclusive of the diverse talent, clients and communities we work with and serve – and to empower our team to do their best work. We support wellbeing and a balanced life, and offer a range of family-friendly, inclusive employment policies and employee forums.

EMPLOYER DESCRIPTION:

For over 230 years, the people of BNY Mellon have been at the forefront of finance, expanding the financial markets while supporting investors throughout the investment lifecycle. BNY Mellon can act as a single point of contact for clients looking to create, trade, hold, manage, service, distribute or restructure investments and safeguards nearly one-fifth of the world’s financial assets. BNY Mellon remains one of the safest, most trusted and admired companies. Every day our employees make their mark by helping clients better manage and service their financial assets around the world. Whether providing financial services for institutions, corporations or individual investors, clients count on the people of BNY Mellon across time zones and in 35 countries and more than 100 markets. It’s the collective ambition, innovative thinking and exceptionally focused client service paired with a commitment to doing what is right that continues to set us apart. Make your mark: bnymellon.com/careers.

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