We are seeking an experienced Senior Credit Underwriter with a strong background in underwriting franchise transactions ranging from $100K App-only financing to multi-million-dollar financing with full financial analysis. The ideal candidate will have expertise in assessing the quality and creditworthiness of franchise operators as well as the market positioning and prospects of franchise brands across a wide spectrum. Specifically, a successful candidate will show:

• Passion for understanding how Franchise businesses operate: business models, efficiency drivers, operating leverage, competitive positioning, etc. Similar experience in other sectors a plus
• Ability to extrapolate a deeper understanding of the business from the financial statements, beyond ratios and margins
• Experience in underwriting complex situations, involving pro forma analysis, multi-layered ownership structures, roll-ups of multiple entities, refinancings, acquisitions, etc.
• Dedication to mentor and train colleagues in both financial analysis and the finer area of underwriting

 Skills and Abilities

• Thorough knowledge of internal credit processes and procedures
• Strong interpersonal skills to communicate effectively with AmurEF personnel as well as Customers and third-party Originators
• Ability to analyze structured and unstructured information as well as financial statements to identify both trends and outliers
• Excellent written and verbal communication skills
• Ability to underwrite multiple Transactions in parallel during constantly fluctuating work load
• Well-developed planning, time management and organizational skills
• Commitment to exemplifying the highest integrity and professional business standards

Requirements

 Education and Experience Qualifications

• Bachelor's degree in Finance/Accounting or equivalently five years of related financial experience preferred
• At least two years in a Senior Credit Analyst Position required
• Full Financial Franchise Restaurant Underwriting experience
• Excellent organizational and problem-solving skills, with the ability to effectively prioritize multiple tasks in a deadline-driven environment.
• Strong PC skills, including proficiency in MS Office suite and Salesforce
• Self-motivated with strong initiative, accountability, and attention to detail
• Ability to communicate effectively with all levels of the organization as well as clients

Supervisory Responsibility

This position does not have direct supervisory responsibilities but does provide informal mentorship to

new hires as well as training and problem-solving support for existing staff within and outside of the Credit

Underwriting Department.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to

successfully perform the essential functions of this job. The employee is required to talk or hear; may be

necessary to stand, walk, handle, or reach with hands or arms. This is predominantly a sedentary role;

however, walking is often required. Some filing is required, calling for the ability to lift files, open filing

cabinets and bend or stand on a stool as necessary. The team member is occasionally required to pack

and move files or boxes as well as lift and/or move up to 25 pounds. Specific vision abilities required by

this job include close vision, distance vision, peripheral vision and the ability to adjust focus.

Travel

Occasional travel is expected, primarily to visit other AmurEF’s offices or attend industry events.

Other Duties

Please note that this job description is not designed to cover or contain a comprehensive listing of all

activities, duties or responsibilities that are required of the employee for this position. The duties,

responsibilities and activities for this positions may change at any time with or without notice.