The underwriter will primarily underwrite and document new and existing ABL transactions in manufacturing, retailing and lending, among other industries. He or she will be expected to work closely with the Business Development Officers, Portfolio Managers, and senior leadership at the prescreen, proposal and underwriting stages of new reviews and modifications to make sure these transactions are properly vetted and structured before they enter the review process to ensure customer satisfaction and underwriting quality are high throughout the process. The candidate should be able to work independently throughout much of the underwriting of these transactions but should also be quick to encourage collaboration with all internal stakeholders so that internal and external customers can benefit from a multi-disciplinary approach to deal-making.


  • Underwrite and document asset-based loans.
  • Apply a reasonableness approach to credit analysis, identifying relevant risks in transactions and using a combination of intuitiveness and judgment grounded in empirical data to make effective decisions.
  • Underwrite multiple, overlapping transactions during peak volume periods.
  • Employ a clear, concise, and readable writing style that distills the essential elements of a loan application into a narrative a user can quickly and easily read to render sound credit decisions.
  • Participate in ad hoc and other projects related to reporting and compliance.
  • Provide assistance to the CRO and Credit Manager when needed.
  • Adhere to NCF’s and LBC’s Code of Conduct.


  • Hold a bachelor’s degree in Accounting, Business or Finance;
  • Minimum 3 years’ experience in ABL and/or Lender Finance underwriting. (Candidates with prior auditing and portfolio management experience will also be considered as long as they can demonstrate this prior experience is transferable and they were problem-solvers in these roles.);
  • Proficiency with Microsoft Office Products (Word, Excel, etc). Experience with Moody’s Analytics’ also a plus;
  • Strong communication skills (both verbal and written) to interact with senior management, clients, attorneys, and financial sponsors;
  • Understanding of legal documentation; and
  • Proficiency in cash flow analysis and have an ability to recognize and articulate the key risks and elements of a transaction based on changes in a borrower’s cash cycle and other factors.