Credit Officer II - Asset Based Finance

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This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members.

Responsibilities:

• Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury
• Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions
• Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio
• Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners
• Negotiates and structures legal documentation related to loans and derivatives
• Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle
• Trains, coaches, and mentors Credit Analysts and Associates

Required Qualifications:

• 7+ years’ of experience in asset based and/or commercial lending
• Experience in monitoring the credit health of asset based or commercial lending clients.
• Strong knowledge and comprehension of loan and collateral documentation
• Ability to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to manager and risk officers
• Confidence and ability to develop an independent viewpoint and present a business case to support conclusions
• Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus
• Coaching and mentoring skills
• Strong Microsoft Office Skills

Desired Qualifications:

• Bachelor's Degree in Accounting and/or Finance
• 10+ years’ of experience in asset based and/or commercial lending

Skills:

• Analytical Thinking
• Credit and Risk Assessment
• Financial Analysis
• Loan Structuring
• Underwriting
• Attention to Detail
• Business Acumen
• Financial Forecasting and Modeling
• Research Analysis
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis

Shift:

1st shift (United States of America)

Hours Per Week:

40