Banker Credit Underwriter and Portfolio Management

Banker Credit Underwriter And Portfolio Management

Emigrant Bank Fine Art Finance seeks an entrepreneurial Private Banker with ten + years of experience working with high net worth (HNW) and ultra-high net worth (UHNW) clients, delivering bespoke banking and credit solutions. This role combines business development, credit underwriting / structuring, portfolio management and cross-functional collaboration.

Emigrant Bank Fine Art Finance is a boutique firm that finances fine art, collectibles, wine, classic cars, rare stringed instruments, and a broad range of valuable specialty assets. Compensation and benefits commensurate with experience.

Responsibilities include :

• Serve as a key member of the deal team in the underwriting and loan approval process.
• Screen inquiries, extensive due diligence and underwriting.
• Structure, underwrite and manage sophisticated credit facilities (e.g., secured lending, bespoke credit, asset backed lending and upcoming new products.
• Draft and negotiate term sheets, pricing, conditions, collateral, documentation.
• Perform financial statement and cash-flow analysis, credit risk assessment, covenant monitoring.
• Prepare credit documentation for facilities, liaising with legal counsel
• Monitor credit portfolio, ensure asset quality, early identification of risk-issues, mitigation strategies.
• Support management of pipeline and business development : maintain prospect lists, referral networks (COIs attorneys, accountants, financial services firms), external partnerships.
• Operational & risk-management responsibilities : ensure credit approvals and documentation comply with internal policy / regulation (AML / KYC / whatever applies), maintain controls and oversight.
• Manage loan approval process and all necessary work to document and close the transaction.
• Manage portfolio and loan servicing.

Qualifications :