Job Responsibilities
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Underwrite and evaluate commercial lending opportunities in accordance with the Bank’s credit policies, underwriting standards, and regulatory guidelines.
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Conduct financial analysis including cash flow, collateral evaluation, industry trends, and global debt capacity to assess borrower risk and repayment ability.
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Prepare detailed credit memoranda and present financing recommendations to senior credit management or credit committee.
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Structure loan transactions and negotiate terms and conditions within assigned lending authority or recommend approval to the Chief Credit Officer.
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Coordinate with loan operations, closing staff, and legal counsel to ensure approved loans are properly documented and closed in compliance with Bank policies and regulatory requirements.
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Review and process renewals, extensions, and modifications of existing credit facilities while monitoring borrower performance and covenant compliance.
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Perform credit investigations including credit bureau inquiries, lien searches, and UCC filings to confirm creditworthiness and collateral position.
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Monitor loan portfolio performance and identify emerging credit risks, recommending appropriate risk mitigation strategies when necessary.
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Collaborate with legal counsel and special assets teams on problem loans, restructurings, bankruptcies, and charge-offs.
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Support business development efforts by identifying opportunities to cross-sell deposit and treasury management products and services.
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Provide guidance and mentorship to junior credit analysts and underwriting staff.
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Maintain current knowledge of regulatory requirements and accounting standards impacting the loan portfolio, including CECL methodology and credit risk management practices.
KNOWLEDGE, SKILLS AND ABILITIES
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Strong organizational, interpersonal, and communication skills
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Detail oriented, time management skills and ability to multi-task
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Cooperates with management and peers to accomplish team and Bank goals.
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Must be a team player and ability to resolve problems and conflicts
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Proficient in Microsoft Office Products including Word, Excel, and/or Power Point
Preferred Qualifications:
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Bachelor's degree in Finance or Accounting
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5 years of financial services experience preferred
