Spencer Marchant

Spencer Marchant is a seasoned finance professional with significant experience in credit risk management and underwriting across various sectors. Currently serving as a Director at UBS since September 2019, Spencer oversees credit risk control for a credit card portfolio and manages application underwriting and credit line requests. Prior experience includes roles as a Construction Underwriter at HomeStreet Bank, specializing in builder construction loans, and as a Credit Risk Associate at Morgan Stanley, focusing on securities-based lending. Spencer also held the position of Financial Analyst II at American Express, where responsibilities included underwriting commercial and consumer lines and performing financial analyses. Additional experience as an Owner/Operator of Gutter Guru and a Credit Analyst at Zions Bank highlights entrepreneurial and analytical skills. Spencer holds a BA in Economics from the University of Utah.