Senior Credit Underwriter – Wholesale Real Estate Finance
$50,400–$72,000 year
HybridHelsinki, Uusimaa, Finland
Job Summary
Evaluate and underwrite institutional real estate loan applications by conducting detailed financial analysis of statements, cash-flow projections, and collateral. Assess borrower creditworthiness based on performance, history, and market conditions, while analyzing project feasibility, valuation, and downside scenarios. Prepare comprehensive credit proposals with risk assessments, recommendations, and mitigation measures to present to decision-makers and credit committees. Monitor the loan portfolio for early warning signals and recommend proactive measures where credit quality deteriorates. Support junior underwriters to promote consistent credit standards and ensure compliance with internal policies and regulatory requirements.
Required Qualifications
- Several years of relevant experience in credit underwriting, institutional lending, commercial banking, real estate finance, leveraged finance, or a comparable credit-risk role
- Strong experience assessing complex corporate or real estate financing transactions
- Advanced financial-analysis skills, including financial statements, cash-flow modelling, debt-service capacity, sensitivity analysis, and downside scenarios
- Good understanding of real estate valuation, collateral structures, loan documentation, and key lending metrics such as LTV, LTC, DSCR, and interest coverage
- Ability to identify material credit risks and translate them into clear financing conditions and risk mitigants
- Strong commercial judgement and the ability to balance risk protection with viable deal execution
- Experience preparing high-quality credit papers and presenting recommendations to credit committees or senior decision-makers
- Understanding of relevant regulatory requirements and sound credit-risk-management practices
- Ability to work effectively with commercial, investment, legal, valuation, and risk stakeholders
- Confidence to challenge assumptions and decisions constructively while remaining pragmatic and solution-oriented
- Strong communication skills and professional fluency in English
- A degree in finance, economics, accounting, business, or another relevant field
Desired Qualifications
- Experience mentoring junior colleagues
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